close alert panel Read Alerts
close popup
Important message from American National Bank regarding COVID-19 preparedness

To Our Valued Clients,

Our branch lobbies are closed to unscheduled walk-in traffic.

Services will be fully available via our mobile and online platforms, as well as from our drive-thru windows, ITMs, and ATMs. Please check the ‘Locations’ tab for access points nearest to you.

We want to assure you of the following as it relates to the continuity of our business operations:

  • American National Bank has been, and will continue to, actively monitor developments regarding the potential spread, and impact of the coronavirus with guidance from relevant authorities, including the Centers for Disease Control and Prevention (CDC), World Health Organization and U.S., state and local government entities. We feel it is imperative to limit face-to-face interaction until we have assurances from our local health departments that the virus is contained with no further risk of community-related spread.
  • American National Bank’s Business Continuity Planning Program was successfully deployed several weeks ago with protocols that are active and reliable.
  • American National Bank remains committed to providing the highest level of service with multiple layers of protection for our most important assets: our people, information security and cash flow.

We are here to help you:

  • In the event you need to meet in person, we invite you to contact your local branch or banker or click here to make an appointment. We request that you follow the CDC guidelines of self-screening to personally evaluate yourself to determine if you could be at risk by exhibiting any of the symptoms related to the virus. Visit for more information. 
  • If you are experiencing a hardship or have a different need, please click here.
  • Contact our Customer Service representatives with any questions at 1-800-279-0007, M-F: 7am-7pm, Sat: 8am-1pm
  • If you are a business or commercial client, please reach out to your Relationship Manager
  • To protect yourself against any COVID related scams, please look out for any suspicious activity from emails, texts and phone calls that may impersonate a company, charity or government agency. Never share sensitive information and do not click on links or open attachments as they may be malicious. For more information go to:

American National Bank thanks you for your understanding and patience during this unprecedented time. We appreciate the trust you place in us and want you to know that the health and safety of our clients and employees is our top priority. We view the implementation of this change in access as part of our contribution to maintaining a strong and healthy community.

Schedule Appointment

System Maintenance

As part of our ongoing efforts to better serve you and improve our business processes, we will be performing a routine system maintenance on Saturday, May 30 at 10:00pm until 12:00am. During this time, Online Banking, Mobile Banking and iBank Services will be unavailable. We apologize for the inconvenience and look forward to providing superior performing products for our clients.

American National Bank

Paycheck Protection Program (PPP)


We are a preferred lender for SBA submissions for PPP loans for business customers.


Click here for exact language and full text of the CARES Act

Click here for Frequently Asked Questions about the PPP from the SBA.

Important Information

Update as of 5/20/2020 - 11:15am

On May 15, 2020, the Small Business Administration (SBA) and the Treasury released their Paycheck Protection Program Loan Forgiveness Application. While we would like to keep our clients abreast of updates to the program, be advised that the loan forgiveness process is potentially lengthy and is subject to change. We encourage all clients with a PPP loan to stay informed as future guidance is released. We will communicate required action steps for loan forgiveness with all clients who are nearing the end of their 8-week PPP loan period. 



How to Apply

Due to anticipated volume, ANB is only accepting applications from existing business customers at this time.

Please contact your Banking Officer to submit an application.

Please be advised that ANB cannot disburse loan funds until the SBA has processed and approved the loan application. There is significant demand and applications will be processed in a queue. Our lending teams are working tirelessly to support all clients wishing to take part in this program.



What documentation is needed for an application?


The application for Paycheck Protection Program (PPP) loans under Section 1102 of the CARES Act requires that Lenders collect payroll documentation to support the Applicant’s requested loan amount. At this time, please confirm the following documentation has been submitted with your application.

  • Copies of payroll tax reports filed with the IRS – including forms 940, 941, state income and unemployment filing reports for 2019 and the first quarter of 2020, if available.
  • Copies of payroll reports for each pay period in 2019 and what is available for 2020. Such reports should include gross wages including PTO, including vacation time and sick leave paid under FMLA.
  • Documentation reflecting the health insurance premiums paid by the company under a group health plan including owners of the company in 2019 and what is available for 2020. Copies of invoices are acceptable.
  • Documentation of all retirement plan funding by the employer for 2019 and what is available for 2020. This could include copies of work papers, schedules and remittances to the retirement plan administrator.



Who is Eligible?

Under the CARES Act, you are qualified if you are:

  • A small business with fewer than 500 employees
  • A small business in the accommodation and food services industries (NAICS Code 72) with more than one physical location, but no more than 500 employees at each location
  • A small business that otherwise meets the SBA’s size standard
  • A 501(c)(3) with fewer than 500 employees
  • An individual who operates as a sole proprietor
  • An individual who operates as an independent contractor
  • An individual who is self-employed who regularly carries on any trade or business
  • A Tribal business concern that meets the SBA size standard
  • A 501(c)(19) Veterans Organization that meets the SBA size standard

Additionally, some special rules may make you eligible:

  • If you are in the accommodation and food services sector (NAICS 72), the 500-employee rule is applied on a per physical location basis
  • If you are operating as a franchise or receive financial assistance from an approved Small Business Investment Company the normal affiliation rules do not apply


What can a PPP loan be used for?

Proceeds from these loans can be used for:

  • Payroll costs, including salaries, wages and commissions
  • Employee benefits including costs for vacation, parental, family, medical or sick leave;
  • Retirement benefits
  • Paid leave and severance
  • State and local payroll taxes assessed on compensation
  • Group health care benefits during periods of paid, sick, medical or family leave and insurance premiums
  • Interest on mortgage obligations, incurred before February 15, 2020;
  • Rent, under lease agreements in force before February 15, 2020; and
  • Utilities, for which service began before February 15, 2020.


How Much Can Be Borrowed?

Qualified applicants can borrow 2.5 times their 2019 average monthly payroll expenses, up to $10 million. Loans can be for up to two months of your average monthly payroll costs from the last year plus an additional 25% of that amount. That amount is subject to a $10 million cap. If you are a seasonal or new business, you will use different applicable time periods for your calculation. Payroll costs will be capped at $100,000 annualized for each employee.


What are the loan requirements?

Businesses must certify that the loan is necessary to continue to operate, retain employees, and/or make mortgage and utility payments. Businesses must also certify that they have not applied or received another 7(a) loan for similar purposes.

Other requirements include:

  • No Personal Guaranty
  • No Collateral Requirements
  • $0 Guaranty Fee


Are these loans forgiven?

Funds from a PPP loan will be forgivable if:

  • At least 75% of funds are used for payroll costs, including employee salaries, paid sick or medical leave, and insurance premiums.
  • Up to 25% of the loan may be used to cover other business expenses required to keep your business afloat, including mortgage interest, rent, utility payments and interest on loans incurred prior to February 15, 2020.

Forgiveness is based upon the employer keeping employees on the payroll or quickly rehiring employees and maintaining their salaries.


For the latest information on the PPP program, visit the Small Business Administration at or