# AMERICAN NATIONAL BANK
OMAHA, NE · FDIC certificate 19300 · asset band $1-10B · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *auto lender*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.16B | |
| Deposits | $4.55B | |
| Loans and leases | $3.85B | |
| Total equity | $530.6M | |
| Loans / deposits | 83.61% (p44 of band) | 86.15% |
| Liquid assets / assets | 23.64% (p58 of band) | |
| Uninsured deposits / deposits | 40.74% (p74 of band) | 30.71% |
| Brokered deposits | 5.51% | |
| Wholesale funding | 6.60% (p52 of band) | |
| FHLB advances / assets | 0.81% | |
| Tier 1 leverage | 10.55% (p53 of band) | 10.45% |
| Unrealized securities loss / equity | -8.70% (p47 of band) | -8.13% |
| AOCI / equity | -1.91% (p7 of band) | |
| ROA (annualized) | 1.11% (p42 of band) | 1.22% |
| Net interest margin | 3.59% (p47 of band) | 3.64% |
| Efficiency ratio | 68.60% (p75 of band) | |
| Noncurrent loans | 0.61% (p55 of band) | 0.54% |
| Net charge-offs (annualized) | 0.14% (p82 of band) | |
| Reserve coverage of noncurrent | 186.79% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 39.64% (p42 of band) | |
| Auto loans | $803.0M (20.88% of loans; DQ 0.59%, NCO 0.04%) | |
| Loans to nondepository financials | $72.4M (14% of equity) (p90 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 474 | |

## Flags firing in the latest filing

- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | auto book souring |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | wholesale funding >15% |  |
| 2014-09 | 1 |  | wholesale funding >15% |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | wholesale funding >15% |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | wholesale funding >15% |
| 2016-06 | 2 | wholesale funding >15% |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | wholesale funding >15% |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | wholesale funding >15% |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | loans exceed deposits |  |
| 2018-09 | 2 |  | loans exceed deposits |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | wholesale funding >15% |
| 2019-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2019-09 | 2 |  | loans exceed deposits |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | capital falling | wholesale funding >15% |
| 2020-09 | 3 | brokered >10% |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 1 |  | capital falling, brokered >10% |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 5 | wholesale funding >15%, deposits shrinking |  |
| 2023-03 | 6 | uninsured deposits >50%, run vulnerability | AOCI drag >20% of equity |
| 2023-06 | 4 | charge-offs p90 | deposits shrinking, uninsured deposits >50%, run vulnerability |
| 2023-09 | 0 |  | auto book souring, construction >100% equity, wholesale funding >15%, charge-offs p90 |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2024-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | charge-offs p90, auto book souring |  |
| 2025-03 | 2 | reserve under noncurrent | charge-offs p90 |
| 2025-06 | 1 |  | reserve under noncurrent |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-17 [Associated Bank set to take over American National Bank operations this fall - KETV](https://news.google.com/rss/articles/CBMitgFBVV95cUxQVDFrTVZVMm9LQkk4bFpmeFo0U1l3c2J5RGNwN2lqWFBjTFVVN29qandwNEtFaUJRdF81em0xSmNPWVA4bW1CcW1SVzVBUVB3TlRGOW94WV9aSXZkMVc3RlI2N2JGQnVscE9jMThaQlZtdXMyNlp5VVNkTzVodWZkM05naW9wQldkT1NoalZWZUZDOG9PY3UyZElkNkdaRW54djVTeUpwckZQX3VGcF9YZGdEUElHdw?oc=5) · KETV
- 2026-03-10 [Landmark Credit Union Announces Acquisition of American National Bank-Fox Cities; Expands Northeast Wisconsin Presence - PR Newswire](https://news.google.com/rss/articles/CBMigwJBVV95cUxPZTdRTTR5SkJpV25nTFFZc1BQekVFR3JvX2VZSXlqZ0VmRXZrR3psY1FqR25UTFdLLUtSSWdSeXdXaC1jNldoODRhSVhVSm5kWkpJY19GQzhfSk9Xdk1IeWxoalZCMWlEQklaeTZfLVNJWkstZk9xR2V4VWQtZ3N1MkZGcU1MRmJfVmZPMlJiUWhMQ1RtSkNzY2lmTGNxcG56eWNsSGl4OE1RS1RhcnlUYUl5Sll0VWJmNjI4dmEyeTVSZjNHZ2ZnTWs3c29oTVR6UjdvOXhwTi1iMDgtdUJZQTN6a0dWcHFaR1owVEFkdGs1ZU9hWUdWdndiek9ibmdkeTVr?oc=5) · PR Newswire
- 2025-12-01 [Associated Bank to buy Nebraska lender for $604M - Banking Dive](https://news.google.com/rss/articles/CBMirgFBVV95cUxOY25ycjNIMTNqUXRPeXZCejFHdHp6eGRTMGtZUGM2dnZtYnBpT1RwZHNVX3l4Z0l6OHctZnZ2MEJ5V2YzaVUxUVVjejR0MmY0WWRXcWJsN1F6ZTByVTUxWUc3dzZRekR4TGN2LTFNNEgyTzZfeERaYUowalY4MDlXdU5aQ2hzSDY4THBMNWx0SHA0bmh3c1NjeW5xaHZENFZ1bUFSWF9RaER4Y3Zaa1E?oc=5) · Banking Dive
- 2026-02-12 [American National Bank names Chris Cronin as president - Fort Worth Report](https://news.google.com/rss/articles/CBMimgFBVV95cUxPMG42US1SQzFlOU1yeEhLSWRBRVdNMXcxSG5DMUkwMnpkZ3hqSERQZ2pNdjRBM2p0bG9XdmlHci1WUWttWWhYTWJPclJXU1dTYmg1MW5RSWMzcGhnZGp2Mkthb0NkVjlDYTBWS182bDRfUHBUQnVzR3VBMzZlVTI4Y0I4MFhXSUswR1RWUDVmSllaQ19pS0FoYWVB?oc=5) · Fort Worth Report
- 2025-12-01 [Green Bay-based Associated Bank to acquire American National Bank in $600M deal - WPR](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPanIzRGZnRjFoZ3VzNFZtbDFuOUF1Sng3QTRNaC15T24xelRaT1pRa2FYQnkyWW1YUTAzZXQwejd4WW9meklTNGgzYkt0UXRVT3ZDNTVYQWhJTkxrWUNLQjJsNXh5V2JoSW55U3RMWE9IMG5ORG5qOFNnZDFic04wcllqWVBUSkpy?oc=5) · WPR
- 2026-04-12 [Associated Bank joins forces with American National Bank - Green Bay Press Times](https://news.google.com/rss/articles/CBMiogFBVV95cUxOb1NEU0VtRDNvVV9UN0V2dW54cU55WTUwRTFQeDRZRlpzeVh2VGFJbjV1dks4TVhSNURzbDA2cGctdmhjRTNBSXRxanRnVjVIZHlRdEpoQVpoSkZjWmhvR0c3TmxsRE5wc2hMUVB1aTkwQW95bERnZGhaekJoTi1vT19ZemdnUkMwN2tSMFNHN3BBek9mX0oyVDBldmRSUTJBenc?oc=5) · Green Bay Press Times
- 2025-12-02 [Omaha-based American National Bank to merge with Wisconsin bank - WOWT](https://news.google.com/rss/articles/CBMimAFBVV95cUxQNWM5MzJNR2xiaHh1cVZzX3ZPNmw1NFJiU0lVZDE5cWFxaWxRRUlnSVdqSDF3UThSdlNsenAyRjBSVmdHOGdESEkyMEgxVmxodVpUNTZjM0d5eEpCYnFYSXc4VHl3YW11NkZjSFNhQWJVc2NpVmhJYkkzTElNMWJZWDB1S0FsZkthZHJiOGU0VHJzb2pEVWJFb9IBrAFBVV95cUxNMnVFakdjOGhGUkRsMWFxTWVIN1NZdUJpcURRcW9qYUpZTms2WmNiUjhOS2k0TENDOVRNOTVncUg0d01xZWxsZFlWc3RoU0ctS3J4amQxNDVYUFJIU3I0Y1pfaVRtLWtmWTBFcl9jSjNRanl3VjUyN0Q5VFFsM0NqMkdZdmFMeHA5Tl9hd1YyV09VYmE4X1JRTThaazNFTzFHZ0ZTQUVHR3drM3dD?oc=5) · WOWT
- 2026-04-23 ['Not an acquisition machine': Inside Associated's growth strategy after closing American National Bank deal - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOc0tKdU9GRk9yU1U0cGViekdhYWVxd0U2bEpMSVVPQ1IyR2hvdFB5eVRSS1VTTDBEckZmMm1zaWM2Y19YYnNLdGpwcUdDa3FOSWNGS1ZmR25xd0tlRGpBZHBSMFNnVzRaSGR1clV4LXYteHBpbGpGWXBERnpNLUZzRDJ1R2V2X1U4NnFLVkVHRjlseDYxb0dTcWtTWVhWM3g2WE5MMVJ1bmZQQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19300 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "19300", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide