American National Bank & Trust on Your Credit Report
In short: American National Bank & Trust traces its charter to 1976 and appears in the FDIC's records under certificate 22373, a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System with its headquarters in Wichita Falls, TX. The most recent call report, dated 06/30/2026, puts it at $2.5 billion in total assets across 14 FDIC-reported offices. Where American National Bank & Trust reports an account it does so as the original creditor and furnisher, so FCRA §623 — not the FDCPA validation rules that apply to collectors — is the governing accuracy standard. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who American National Bank & Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
American National Bank & Trust has been in continuous operation for 50 years, chartered November 29, 1976 and carried on the FDIC's books as certificate 22373. Its 06/30/2026 call report shows 14 FDIC-reported offices and $2.5 billion in total assets, averaging roughly $181 million per office.
How American National Bank & Trust appears on your credit report
American National Bank & Trust is a community-scale lender headquartered in Wichita Falls, TX, with 14 FDIC-reported offices and $2.5 billion in assets, on a charter 50 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Deposit accounts charged off to a negative balance
- ◆Credit cards issued under the American National Bank & Trust name through an agent-bank programme
Grounds to dispute a American National Bank & Trust entry
Each of these is a reason a American National Bank & Trust tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Escrow shortage treated as a missed payment on an American National Bank & Trust-serviced mortgage
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆Overdrawn deposit account charged off and reported without the itemisation required before collection
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
American National Bank & Trust is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, American National Bank & Trust has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send American National Bank & Trust a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
American National Bank & Trust questions, answered
Is American National Bank & Trust FDIC-insured, and what is its certificate number?
Yes. American National Bank & Trust holds FDIC certificate 22373. The FDIC record shows a charter established November 29, 1976, headquarters in Wichita Falls, TX, and 14 FDIC-reported offices with $2.5 billion in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System.
Who regulates American National Bank & Trust, and where do I escalate if a dispute fails?
American National Bank & Trust is a national bank, so its primary federal regulator is the Office of the Comptroller of the Currency rather than the FDIC. If a dispute with the bank and with the credit bureaus both fail, the OCC operates its own consumer-complaint process (HelpWithMyBank.gov) for national banks, and the CFPB accepts complaints as well. Choosing the right regulator does not change your FCRA rights, but it does route the complaint to the agency that actually supervises American National Bank & Trust.
How old is the American National Bank & Trust charter, and why does that matter for my credit report?
American National Bank & Trust has held its charter since 1976. Banks chartered in this period generally converted to modern core-processing systems at some point, and system conversions are a recognised source of credit-reporting errors — duplicated tradelines, reset open dates, and payment histories that appear to restart. If your American National Bank & Trust account shows a sudden discontinuity, ask specifically whether it was migrated between systems.
How big is American National Bank & Trust, and what does that mean for disputing an account?
American National Bank & Trust reports $2.5 billion across 14 FDIC-reported offices — roughly $181 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute an American National Bank & Trust account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with American National Bank & Trust as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what American National Bank & Trust can verify, and results vary from case to case.
Does TX law change anything about an American National Bank & Trust account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. American National Bank & Trust being headquartered in Wichita Falls, TX does not make TX law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can an American National Bank & Trust account stay on my credit report?
Generally up to seven years from the date of first delinquency on that American National Bank & Trust account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If American National Bank & Trust or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does American National Bank & Trust appear in the CFPB complaint database?
We do not publish a complaint figure for American National Bank & Trust. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 22373, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with American National Bank & Trust and disputing with a collection agency?
American National Bank & Trust is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to American National Bank & Trust; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by American National Bank & Trust; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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