← Back to Institutions
American National Bank
Omaha, NE·FDIC Cert #19300·Charter: OCC·Est. 19641202.0·HC: AMERICAN NATIONAL CORP
Total Assets
$5.2B
Q4 2025
Return on Assets
1.32%
+0.06%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.69%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.32%+0.06
ROE
13.68%+0.42
Efficiency
56.69%-0.75
Equity/Assets
0.00%+0.00
NPL Ratio
0.64%-0.11
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
82.67%+1.69
Charge-offs
0.28%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.3 | 1.3 |
| ROE | 11.0 | 12.2 | 12.3 | 12.7 | 12.3 | 12.6 | 13.3 | 13.7 |
| Efficiency | 67.6 | 64.4 | 64.1 | 63.1 | 58.3 | 58.4 | 57.4 | 56.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.7 | 0.6 | 1.1 | 1.4 | 0.9 | 0.7 | 0.6 |
| Charge-offs | 0.2 | 0.1 | 0.1 | 0.5 | 0.2 | 0.4 | 0.3 | 0.3 |
| Loan/Deposit | 86.5 | 85.9 | 81.8 | 81.4 | 78.7 | 83.4 | 81.0 | 82.7 |
Balance Sheet
Total Assets$5.2B
Total Deposits$4.6B
Total Loans$3.8B
Total Equity$538.1M
Profitability
ROA1.32%
ROE13.68%
Efficiency Ratio56.69%
Net Income$67.8M
Risk & Asset Quality
NPL Ratio0.64%
Charge-off Rate0.28%
Loan/Deposit82.67%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans