Question 1

What is American National Bank of Texas?

Accepted Answer

American National Bank of Texas (ANBTX) is an independently owned community bank headquartered in Terrell, Texas. With over $5.5 billion in total assets and 27 branches across North Texas, ANBTX ranks as the 19th largest bank in Texas by asset size. The bank specializes in personal and business banking services, serving the Dallas-Fort Worth Metroplex and surrounding communities with a focus on relationship-driven community banking.

ANBTX operates as a national bank with a federal charter supervised by the Office of the Comptroller of the Currency (OCC) and is a member of the Federal Deposit Insurance Corporation (FDIC).

Question 2

When was American National Bank of Texas founded?

Accepted Answer

American National Bank of Texas traces its origins to November 22, 1875, when Waters, Bivins & Corley Bank opened its doors in Terrell, Texas. The bank was founded to meet the financial needs of a rapidly growing community, as Terrell experienced significant expansion due to a new train depot being constructed. At the time, local residents and businesses lacked access to financial services, with capital flowing to Dallas rather than supporting local growth.

The bank evolved through several name changes: becoming The Harris Bank in 1887, The Harris National Bank in 1895, and American National Bank of Terrell in 1903. After merging with the federally chartered First National Bank in 1930, the institution continued under the American National Bank of Terrell name until 1995, when it adopted its current name, American National Bank of Texas.

The bank's current charter dates to July 1, 1981, following a reverse merger with First National Bank of Allen. Robert A. Hulsey, great-grandson of one of the bank's early leaders, has served as president and CEO since 1989, representing the fourth generation of family leadership dedicated to community banking.

Question 3

Where is American National Bank of Texas headquartered?

Accepted Answer

American National Bank of Texas is headquartered in Terrell, Texas, located in Kaufman County approximately 30 miles east of Dallas. The bank maintains its historic connection to Moore Avenue in Terrell, where it relocated after a fire destroyed its original building in 1882. The bank's vault survived the fire, protecting all records and securities.

Question 4

Where does American National Bank of Texas operate?

Accepted Answer

ANBTX operates exclusively in the North Texas region, with 27 banking centers across eight counties in the Dallas-Fort Worth Metroplex. The bank has locations in Collin, Dallas, Hunt, Johnson, Kaufman, Rockwall, Tarrant, and Van Zandt counties.

Specific markets served include Allen, Burleson, Canton, Crandall, Dallas, Forney, Fort Worth, Frisco, Greenville, Heath, Hurst, Kaufman, Mansfield, McKinney, Mesquite, Plano, Quinlan, Richardson, Rockwall, Rowlett, Royse City, Sachse, Seagoville, Terrell, Wills Point, and Wylie.

The bank has expanded its presence through strategic acquisitions throughout its history, entering the Tarrant County market through the purchase of Citizens National Bank in Fort Worth in 2008, and acquiring Dallas National Bank the same year.

Question 5

What services does American National Bank of Texas offer?

Accepted Answer

ANBTX provides a comprehensive suite of banking services for both personal and business customers:

Personal Banking: Checking and savings accounts, certificates of deposit, consumer loans, residential mortgages, home equity lines of credit, and credit cards.

Business Banking: Business checking and savings accounts, commercial lending, commercial real estate financing, SBA lending, lines of credit, and business credit cards.

Digital Banking Services: Free online banking, mobile banking apps for iOS and Android, mobile check deposit, bill pay services, Zelle peer-to-peer payments, eStatements, account aggregation tools, and instant-issue debit cards. The bank offers ANBTX Live ITMs (Interactive Teller Machines) that allow customers to conduct transactions like ATMs or connect with live video bankers during extended hours (Monday-Friday 7am-7pm, Saturday 9am-1pm).

Treasury Management: The bank offers three tiers of business digital services—Business Online, Cash Management, and Treasury Management—with increasingly sophisticated features including ACH payments, wire transfers, Positive Pay fraud protection, account reconciliation, lockbox services, merchant services, remote deposit capture, and liquidity management solutions.

Wealth Management: Through ANBTX Wealth Management, the bank provides asset management, financial planning, investment services, and trust and estate services in partnership with Ameriprise Financial.

Question 6

What makes American National Bank of Texas unique?

Accepted Answer

ANBTX distinguishes itself through its 150-year commitment to community banking and its positioning as "A Community Bank In A Digital World®." The bank combines personalized, relationship-driven service with modern digital banking capabilities, offering customers what it describes as "the best of both worlds."

The bank's deep local roots and family leadership create a distinctive culture of long-term community investment. During the Great Depression in 1932, the bank's leadership personally met with struggling farmers, extending loans for crop planting with flexible repayment terms—a legacy of working with customers during challenging times.

ANBTX demonstrated this commitment during the COVID-19 pandemic by processing over 4,000 Paycheck Protection Program (PPP) loans, with the majority supporting minority business owners. The bank specifically targeted underserved markets, including opening a loan production office in South Dallas in 2024 to address banking access gaps.

Recognition for its culture includes being named one of the "Top Workplaces DFW" by The Dallas Morning News from 2009 through 2025, and receiving designation as one of the best financial institutions in Texas—an honor earned by only 2.8 percent of all banks and just five banks in Texas.

Question 7

What type of financial institution is American National Bank of Texas?

Accepted Answer

American National Bank of Texas is a National Bank operating under a federal charter supervised by the Office of the Comptroller of the Currency (OCC). As a national bank, ANBTX operates under federal banking regulations and holds a charter granted by the federal government rather than a state charter.

The bank functions as both a Commercial Bank and a Community Bank. As a commercial bank, it accepts deposits, makes loans, and offers a full range of financial services to both consumer and business customers. As a community bank, it emphasizes relationship banking, local decision-making, and serving the specific needs of its North Texas communities.

ANBTX is independently owned rather than being part of a large multi-state or national banking company, which allows it to maintain its community focus while offering competitive products and services typically found at larger institutions.

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About American National Bank of Texas in the United States