American National Bankshares Inc. operates as the bank holding company for American National Bank and Trust Company that provides financial products and services in Virginia and North Carolina. The company operates through two segments, Community Banking, and Trust and Investment Services. Its deposit products primarily include checking, money market, savings, demand, and consumer and commercial time deposits, as well as certificates of deposit. The company’s loan portfolio consists of commercial and residential real estate loans, commercial loans to small and medium-sized businesses, construction and land development loans, home equity loans, residential mortgage loans, and consumer loans. It also offers trust and investment services, such as estate planning, trust account administration, investment management, and retail brokerage services; and investment management services comprising purchasing equity, fixed income, and mutual fund investments for customer accounts. In addition, the company provides mutual funds, insurance products, Internet banking, and telephone banking services. As of December 31, 2014, it operated 24 banking offices, 2 loan production offices, and 31 automated teller machines. American National Bankshares Inc. was founded in 1909 and is based in Danville, Virginia.