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American National Bank and Trust Company

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American National Bank and Trust Company Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, American National Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

You can compare American National Bank and Trust Company rates to other rates in our database, including 12-month CD rates currently at 1.26%, 6-month CD rates at 1.90% and 3-month CD rates at 0.85%. Savings rates are at 3.15% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 6.20%. All these rates can be compared to American National Bank and Trust Company rates. MonitorBankRates evaluates the financial stability of American National Bank and Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.07%. Rates were last updated on 04/17/2026.

American National Bank and Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at American National Bank and Trust Company? Share your experience about American National Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use American National Bank and Trust Company.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.07%

Excellent Lower than avg

American National Bank and Trust Company

628 Main St
Danville, VA 24541

https://www.amnb.com

Current Rate Availability

We do not have American National Bank and Trust Company rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for American National Bank and Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather American National Bank and Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with American National Bank and Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name American National Bank and Trust Company

Bank Holding Company AMERICAN NATL BANKSHARES INC

Address 628 Main St, Danville, VA 24541 · Danville City

Website https://www.amnb.com

FDIC Certificate # 6837

Established 02/09/1909

FDIC Insurance Date 01/01/1934

Domestic Offices 30

Total Branches 0

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.07%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0974%

Return on Equity (ROE) 9.7500%

Non-Performing Loans (NPL) 0.12%

Total Assets $3,069,984,000

Total Deposits $2,587,412,000

Equity Capital $365,168,000

Net Income $6,912,000

Headquarters Danville

Total Offices 30

Source: FDIC | Last Updated 03/31/2024

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About American National Bank and Trust Company

Is American National Bank and Trust Company a safe place to deposit money?

Yes, American National Bank and Trust Company is considered a safe financial institution. With a Texas Ratio of 1.0729767646021%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does American National Bank and Trust Company operate?

American National Bank and Trust Company currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, American National Bank and Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, American National Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does American National Bank and Trust Company offer online and mobile banking?

Most modern institutions like American National Bank and Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.amnb.com.