American National Bankshares Inc is a one-bank holding company which provides banking and related financial services through its subsidiary American National Bank and Trust company. The company provides personal banking services such as checking, deposits, savings, loans, treasury management and other services to individual and corporate customers. It operates in two reportable segments such as Community banking which involves making loans to and generating deposits from individuals and businesses and Trust and investment segment which provide estate planning, trusts account administration, investment management, and retail brokerage as well as purchasing equity, fixed income, and mutual fund investments for customer accounts. Most of the company's revenue comes from trust division.