American National Bank & Trust Settlement Ends Class Action Lawsuit Over Jan. 2025 Data Breach

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American National Bank & Trust (ANB&T) has agreed to settle a class action lawsuit alleging that the Texas-based financial institution failed to implement reasonable cybersecurity measures to safeguard sensitive consumer and employee information stored on its systems, leading to a data breach in January 2025.

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The American National Bank & Trust class action settlement received preliminary approval from the court on December 22, 2025 and covers all individuals residing in the United States whose private information may have been affected during the January 2025 data breach and who received written notice of the security incident from the bank in or around May 2025.

The court-approved website for the American National Bank data breach settlement can be found at ANBTDataSettlement.com/.

According to the website, ANB&T settlement class members who file a valid, timely claim form have multiple options for reimbursement.

The settlement site says that class members who submit their claim form with documented proof of out-of-pocket losses stemming from the data breach are eligible to receive a one-time cash payment of up to $4,500. The settlement agreement explains that losses cannot have been reimbursed by a third party, and that covered expenses include bank fees, costs for credit monitoring and credit reports, fraud resolution, postage, mileage, and other miscellaneous expenses incurred due to the breach.

In lieu of a documented-loss payment, ANB&T class members may file a claim to receive a one-time alternative cash payment of $50.Per the settlement site, no proof is required from class members to receive this cash payout.

The agreement adds that class members may elect to receive their cash payouts via check or electronic payment, and that all checks must be cashed within 90 days of issuance.

In addition to the aforementioned monetary benefits, the site reports that class members may also file a claim to receive an enrollment code for one free year of three-bureau credit monitoring and identity theft protection, which will be sent out via email by the settlement administrator following final approval of the settlement.

To file an American National Bank claim form online, class members can head to this page and enter the unique ID and PIN as found on their received copy of the settlement notice. Alternatively, class members may download a PDF of the claim form from the settlement site to print, fill out and return by mail to the address of the settlement administrator listed at the bottom of the document.

All American National Bank & Trust settlement claim forms must be submitted online or by mail by April 21, 2026.

Consumers who believe they may be an ANB&T settlement class member, but did not receive a notice, can contact the settlement administrator to confirm their identity and obtain their login information.

Finally, ANB&T has also agreed to provide documentation demonstrating that it has implemented enhanced data security measures to better protect its network and reduce the risk of future cybersecurity incidents.

The court will determine whether to grant final approval to the American National Bank settlement at a hearing on April 28, 2026. Compensation will begin to be distributed to class members only after final approval is granted and any appeals are resolved.

The American National Bank & Trust class action lawsuit alleged that the financial provider based in Texas failed to properly protect the confidential information of its customers and employees stored on its systems, allowing an unauthorized party to access it on or around January 21, 2025. Per court documents, the private information that may have been affected by the data breach includes names, addresses, Social Security numbers, driver’s license and ID numbers, financial information, medical information, health insurance information, and dates of birth.

Head to ClassAction.org’s settlements page for a complete list of data breach settlements.