# AMERICAN NATION BANK
ARDMORE, OK · FDIC certificate 24472 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $691.5M | |
| Deposits | $577.7M | |
| Loans and leases | $485.4M | |
| Total equity | $66.0M | |
| Loans / deposits | 82.76% (p52 of band) | 82.04% |
| Liquid assets / assets | 27.21% (p56 of band) | |
| Uninsured deposits / deposits | 20.93% (p32 of band) | 25.97% |
| Brokered deposits | 1.72% | |
| Wholesale funding | 7.94% (p70 of band) | |
| FHLB advances / assets | 6.22% | |
| Tier 1 leverage | 10.31% (p42 of band) | 10.81% |
| Unrealized securities loss / equity | -8.92% (p47 of band) | -8.10% |
| AOCI / equity | -0.82% (p28 of band) | |
| ROA (annualized) | 1.54% (p66 of band) | 1.28% |
| Net interest margin | 3.89% (p49 of band) | 3.91% |
| Efficiency ratio | 62.85% (p55 of band) | |
| Noncurrent loans | 0.06% (p19 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 2654.87% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 82.69% (p79 of band) | |
| Auto loans | $10.1M (2.08% of loans; DQ 0.18%, NCO 0.00%) | |
| Loans to nondepository financials | $5.0M (8% of equity) (p96 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 118 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | brokered >10% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | brokered >10% |
| 2012-09 | 1 | brokered >10% |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | brokered >10% |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | charge-offs p90 |  |
| 2015-09 | 2 | brokered >10% |  |
| 2015-12 | 1 |  | charge-offs p90 |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | wholesale funding >15% |  |
| 2016-09 | 2 | reserve under noncurrent | wholesale funding >15% |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | brokered >10% |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | capital falling | reserve under noncurrent |
| 2017-12 | 2 | charge-offs p90 |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | uninsured deposits leaving |  |
| 2018-12 | 1 |  | uninsured deposits leaving |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 1 | charge-offs p90 |  |
| 2020-09 | 1 | capital falling | charge-offs p90 |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 | capital falling | charge-offs p90 |
| 2023-03 | 2 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 4 | securities losses >30% of equity, noncurrent p90, reserve under noncurrent | capital falling |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | securities losses >30% of equity, reserve under noncurrent |
| 2024-03 | 2 | uninsured deposits leaving | noncurrent p90 |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 1 | uninsured deposits leaving | construction >100% equity |
| 2024-12 | 0 |  | uninsured deposits leaving |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-03-23 [In her father’s footsteps: Treanor joins ANB Board of Directors - The Ardmoreite](https://news.google.com/rss/articles/CBMikwFBVV95cUxOZVJOZm81eHlhRWc5V0ZZS1BGeGJTRDA2bHozNFJFYzNCRl84UzR2OW13Y0ZQTElDazBPWnJYSkpoeXRBamlUZ2hxVmROZUdzbU5rbElrUGtEY0NHYXlqWGs0YWw3T1pLTmRPZFhVVjBjNTIxSVU4WnJlc0E2dC1EWE1lRTd5TVFtN1oyUWVHblVGN3M?oc=5) · The Ardmoreite
- 2024-08-13 [OKFB kicks off annual county meetings across the state - Oklahoma Farm Bureau](https://news.google.com/rss/articles/CBMikwFBVV95cUxQUmUtLXoyRFVKZ3RTOWFGbVhRTFlNNkFBbW5Ed3htV3JseWR5dVZ0Z1d0RW5TYTJaY2hnQXVQbXg3UkhxcTVBU1Q3ZndaczVNZXNTY3hXeFF2Y1BFU0Q4SXFjbk85VkRjUS16bWxaRzNMU1BYbC1zbVN2Y0VVcXlrQXJSZk9BQ2VyaGNFZTR4LTlaTDg?oc=5) · Oklahoma Farm Bureau
- 2024-02-13 [Stonewall man sentenced for series of bank robberies in Oklahoma and Texas - The Oklahoman](https://news.google.com/rss/articles/CBMitwFBVV95cUxNMl9ZaUdtZmpTN2RpSkM1bnpBQmNwY1ZjWXFyZGZEclEtS19CSFlyZGNmcENJd21VWUZ1S0wtYVYtZ21sd1NLQ2lKWUppZnhwZ1ZjdlVrcTVVRWVkVE1BWEpnT3BTWERfZ2FYNjFjRXdvWkIxdmpTRmcyM3c4RE1RRTNhUElCcG15TmVtXzlrM3JjdW9CWUxyempEc3J4MU9naHA3QXEtRlpKQ0I4eTlHWjc1X1pnNjg?oc=5) · The Oklahoman
- 2021-07-18 [IBC Bank named No.1 on Forbes' best banks in Texas - Laredo Morning Times](https://news.google.com/rss/articles/CBMiowFBVV95cUxOQk94MWJLN3RNdmxCUTNuY01NcFZCUEJjc1J4bGEtazRLN2pYdjUtMDJzUzBpZzgxZlpOVHZmS3FrUlN3bmdaRjZKNWtuUkh5Y3RKZ0pkS3NqcGRGR3h4Mm1lM3M2RDVlRW5kLVJ1V3FrLU5URGdNLVVHelF3RWl0SjFVeE05MkJMeXpaUHRsN2NyTkVacFlCcDVSZTc4MGZlbzZj?oc=5) · Laredo Morning Times
- 2024-09-18 [Fraud check in the mail from stranger concerns Greensboro resident - WXII](https://news.google.com/rss/articles/CBMimwFBVV95cUxNakpXRHJjQV93eWpQR2t1Y05kTUh2dlBIYnIzY09xZW9fSWpjS2FKaXljSkFhdF9tb1llVjVPazVVWFg2YTRmbk82MktLS1UyWmNWcnh3aDQxbEdUUktiQ1cxM2EyWFpNeHAwMG5mRldPQkNyUHg2cldjaVRKUEQzX1hHVzlQTDdONjFuaVBrcUx6SDJJc3JMS0k1Zw?oc=5) · WXII
- 2026-04-24 [Jimmie Ann Gothard Obituary (1939 - 2026) - Ardmore, OK - The Daily Ardmoreite - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxNbFpRTzlnRGJ2dGNqQjB4LTJQNGVzNHdiTk9QTmZOUl9HVGNydW9MRGFRMDcyQlRWaGYxZHpYaWJzSVl5MzF4M3RoMjFNRWQ0bTFRRU5HTjFHWTVWVUNvSFc5bmhHcEQzYWFtckdyd3JPcE1vcVJCakFrLWZuREdpemw2WXhrMTFuVXNuVFhBZkhHQmxOQ0hF?oc=5) · Legacy obituary
- 2021-12-21 [Oklahoma Blood Institute, OKC Thunder call upon Oklahomans to ‘Thunder Up’ and give life-saving assist; free game tickets offered - KFOR](https://news.google.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?oc=5) · KFOR
- 2023-11-20 [JOHN SULLIVAN Obituary (2023) - Ardmore, OK - The Daily Ardmoreite - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxQVVVrQm9yU1JUX0RuYmQyZzUxa2pDYTQ4YXZLVVZIUVBIYTRENlF1a3hseGQzSG5rLVA3YW9MUzZSTDMzb1VZclJuTUM3d1ZQV0Q2UWxab3E5LTg3TVI0aXFSWlYyMmt2WjJLcEJsMWpOQzBQRURMOXFoVW1vWjRMLWRHYnVGZUlrajE0bWVTNm8?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24472 (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/24.json (key "24472", 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