American National Bank and Trust Company

Our records indicate that this bank has been acquired by Union Bank and Trust Company.

American National Bank and Trust Company is an FDIC insured institution headquartered at 628 Main St, Danville, VA 24541.
It was founded in 1909 and has approximately $3 billion in assets. Customers can open an account at one of its 33 branches.

Deposit Rates - August 21, 2026

SAVINGS RATES	APY	MIN
Savings	0.05%	$1	Compare

CD RATES	APY	MIN
6 Mo CD	0.15%	$2,500	Compare
12 Mo CD	0.20%	$500	Compare
18 Mo CD	0.25%	$500	Compare
24 Mo CD	0.30%	$500	Compare
36 Mo CD	0.35%	$500	Compare
48 Mo CD	0.40%	$500	Compare
60 Mo CD	0.45%	$500	Compare

MM RATES	APY	MIN
Money Market	0.05%	$1	Compare
Money Market	0.08%	$2,501	Compare
Money Market	0.10%	$10,001	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.01%	$1

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 6837
Date Established	1909
Assets	$ 3.09 billion
Loans	$ 2.29 billion
Deposits	$ 2.59 billion
Capital	$ 365.17 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 55.06 million
Interest-bearing balances	$ 28.50 million
Total securities	$ 497.04 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 2.29 billion
Loan loss allowance	$ 25.76 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 87.13 million
All other assets	$ 76.42 million
Total Assets	$ 2.70 billion

LIABILITIES
Total deposits	$ 2.59 billion
Interest-bearing deposits	$ 1,796.02 million
Deposits held in domestic offices	$ 2.59 billion
% insured (estimated)"	61.79%
Federal funds purchased and repurchase agreements	$ 68.34 million
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 15.69 millionn
Total Liabilities	$ 2.70 billion
Shareholders’ Equity	$ 383.76 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 31.58 million
Total Interest Expense	$ 11.99 million
Net interest income	$ 19.59 million
Provision for loan and lease losses	$ 0.40 million
Total non interest income	$ 4.26 million
Total non interest expense	$ 14.82 million
Pre-tax Net Operating Income	$ 23.22 million

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