# AMERICAN NATIONAL BANK
OAKLAND PARK, FL · FDIC certificate 26398 · asset band $300M-1B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $452.4M | |
| Deposits | $387.4M | |
| Loans and leases | $317.3M | |
| Total equity | $57.0M | |
| Loans / deposits | 81.35% (p53 of band) | 80.20% |
| Liquid assets / assets | 25.35% (p48 of band) | |
| Uninsured deposits / deposits | 46.96% (p94 of band) | 25.15% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.69% (p91 of band) | 10.44% |
| Unrealized securities loss / equity | -15.81% (p45 of band) | -13.25% |
| AOCI / equity | 2.76% (p75 of band) | |
| ROA (annualized) | 0.82% (p38 of band) | 1.02% |
| Net interest margin | 2.95% (p20 of band) | 3.54% |
| Efficiency ratio | 63.70% (p45 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p36 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 90% | |
| Construction % of loans | 53.74% (p56 of band) | |
| Auto loans | $24,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -5.3% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | noncurrent p90 |
| 2012-06 | 7 | capital falling, losing money, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 2 |  | capital falling, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-12 | 1 |  | losing money |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | loans exceed deposits, deposits shrinking |  |
| 2017-03 | 0 |  | loans exceed deposits, deposits shrinking |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | reserve under noncurrent |  |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | uninsured deposits >50%, capital falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 2 | deposits shrinking, assets shrinking | uninsured deposits >50% |
| 2023-03 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | charge-offs p90 |
| 2023-12 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 2 | deposits shrinking, assets shrinking | noncurrent p90, reserve under noncurrent |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | assets shrinking |

## 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
- 2026-05-19 [More Than 150 Years After Founding, American National Bank of Texas Still Bets on Independence - Fort Worth Inc.](https://news.google.com/rss/articles/CBMilgFBVV95cUxPT1FWNnFfSGVpVl9zbW5Ya1VXSE54SzR0aXZjb0pqaGE4NmZ6RG8yNk1ZM0plemFvY3FyRmhWd3ZMZ1hkUUZZem5JSE9wbXpIdkY0ZnpyWkNaNFhEMG5FaWctOFl0Qkk4Z1dMNlhqNTk3X2s3ZGRfdXBCX0tSUmtfY2JXenh3d19DVlE2cWg5c3BOa1lqMHc?oc=5) · Fort Worth Inc.
- 2025-12-01 [Associated Bank to buy Nebraska lender for $604M - Banking Dive](https://news.google.com/rss/articles/CBMirgFBVV95cUxOY25ycjNIMTNqUXRPeXZCejFHdHp6eGRTMGtZUGM2dnZtYnBpT1RwZHNVX3l4Z0l6OHctZnZ2MEJ5V2YzaVUxUVVjejR0MmY0WWRXcWJsN1F6ZTByVTUxWUc3dzZRekR4TGN2LTFNNEgyTzZfeERaYUowalY4MDlXdU5aQ2hzSDY4THBMNWx0SHA0bmh3c1NjeW5xaHZENFZ1bUFSWF9RaER4Y3Zaa1E?oc=5) · Banking Dive
- 2026-03-11 [Credit union strikes deal for Wisconsin community bank - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxOZmFfQ1BuTmRUdHV0V1dqZ0xNZEl5VjdoZmJOTHhMWkRiVHRFSDJlal9ZaWJHZ1JZcUdFTE1zOWZnVWJDZmgyMTZLSFBOMWt5aE92amZ6OVFyam9taExmWVUwT2JOblJDTkhpRGtWdmNON2lmQXh1T3dlVmVaT05YLWhCOFBTN2h2T3FlQUdWdnZqNE5N?oc=5) · American Banker
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-12-03 [Broward community bank to be acquired for $80 million - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOa2pFSlZOYVZETTZBNXBibjFjQWtaaGFocV9wZUxtQTVIQW9Ea1dQenpCMG1yUUc5bF8wbEdGRWpiSzhadWwzakVkYkg0UUZidWlzLXo4aTQzNVJaNlV6MUVRNWVCWDBCM1FhZnFzX2QyVWxKSkFma3R0X2drTEZlOFloUm9iaWtUT2N0b0FId0pNWHl1QndHOW1teHdhSExhN0JTSVdJSk5McTRvQ0h3?oc=5) · The Business Journals
- 2026-04-02 [ASB Completes American National Deal, Boosts Midwest Scale - Yahoo Finance](https://news.google.com/rss/articles/CBMiowFBVV95cUxPbUZnZmFYTE1iMlJCMGFlUVl1OGVWaUE2OVZCSW00eXUtcWVXYmVTTEUwWjkxT0NYQm8tQml0OUp4Q0x3LW9Zc0paN28xR0hROWxKYnkxLTMxeVU2RUk1ZUQtZkgtS2RMT0NaUy1reHJRU3cwUnA0YVJJV0duZS1rWDBzbHQxNWhLcHFtVHJDMDdtWElkbmhpR0VVVFVmcjF0SXhn?oc=5) · Yahoo Finance
- 2025-05-01 [United Community announces merger with Florida-based ANB Holdings - upstate business journal](https://news.google.com/rss/articles/CBMitgFBVV95cUxQeE4xRHpfSVRvcnZjbVpEeFBGSU13Wl9GOWo1MGtCTG5udTk0RmZ2Nm9rWnl3YXpNUGtJc2MwZFdaZUFCX05OYlh3ak11dVJFcy1rYm4yRzNOWUdPdWNpVmVtanpMSGN5Z3M2TkQ2X2xvMEZEUWpJbWdEUVBITjZKYVpNcTlEdV8ybHVKbXN2S2hhTExCdEZYb2RkYzZtNmxFdkd1dXo3cEdXR0lrelUyRXNsUFBDQQ?oc=5) · upstate business journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26398 (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/30.json (key "26398", 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