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Amarillo National Bank

Amarillo, TX · Cert 14531 · Amarillo National Bcorp Inc.

National charter · OCC · 34 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

13

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

76

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Amarillo National Bank

Amarillo, TX · Cert 14531 · Amarillo National Bcorp Inc.

National charter · OCC · 34 branches

Q2 2026

$10.4BAssets
$7.2BLoans
$9.1BDeposits
$1.1BEquity
Loan mix
34%RE $2.1B43%C&I $2.6B23%Consumer $1.4BQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $7.5B17%Noninterest $1.6BQ2 2025Q2 2026

NIM

6.99%Q2 ’246.43%Q2 ’255.79%Q2 ’26+2%-4%

Non-interest income vs. expense

2.01%Q2 ’242.14%Q2 ’252.21%Q2 ’26+12%+4%

Market Position · Amarillo, TX · 2026 SOD (annual) · 61.6% share · #1 of 21 inst. · $7.2B of $11.7B

72.1% Potter
42.9% Randall
8.6% Lubbock
3.6% Brazos

Executive Summary

  • Earnings: ROA of 1.38%, down 5 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 1.54% of loans (-47 bps YoY), with net charge-offs at 0.75%.
  • Capital: tier 1 leverage ratio of 10.75%, up 24 bps from a year ago.
  • Funding: loans stand at 78.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.75%-16 bps YoY

Efficiency Ratio (YTD, annualized)

48.60%+318 bps YoY

Tier 1 Leverage Ratio

10.75%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.45%1.40%1.36%1.38%-5 bps
Return on Equity13.80%13.94%13.21%12.38%12.61%-118 bps
Net Interest Margin3.91%3.84%3.85%3.79%3.75%-16 bps
Efficiency Ratio45.43%46.56%45.93%48.64%48.60%+318 bps
Non-Interest Burden1.40%1.40%1.37%1.49%1.46%+6 bps
Growth
Asset Growth (YoY)6.72%5.68%-0.06%4.95%5.76%-97 bps
Loan Growth (YoY)-5.64%-5.61%-3.30%-0.35%3.83%+947 bps
Deposit Growth (YoY)6.06%5.08%-0.97%5.17%5.88%-18 bps
Asset Quality
Nonperforming Loans / Loans2.01%1.78%1.56%1.33%1.54%-47 bps
Net Charge-Offs / Loans0.93%0.85%1.00%0.74%0.75%-19 bps
Allowance / Loans1.31%1.32%1.29%1.30%1.28%-2 bps
Allowance Coverage of NPLs0.6x0.7x0.8x1.0x0.8x+0.2x
Capital
Tier 1 Leverage Ratio10.51%10.42%10.60%10.76%10.75%+24 bps
Total Risk-Based Capital13.90%13.98%13.77%14.18%14.18%+28 bps
Equity / Assets10.56%10.57%11.28%10.78%10.79%+23 bps
Liquidity & Funding
Loans / Deposits80.21%78.70%85.09%78.83%78.66%-155 bps
Liquid Assets / Assets22.29%23.80%18.03%23.75%24.11%+182 bps
CRE / Total Capitaln/a133.03%134.65%134.33%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Amarillo National Bank

Amarillo, TX · Cert 14531 · Peer group: banks over $10B in assets (n=142-144) · Amarillo National Bcorp Inc.

National charter · OCC · 34 branches

Q2 2026

$10.4BAssets
$7.2BLoans
$9.1BDeposits
$1.1BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 79% of banks over $10B in assets (rank 30 of 144).
  • Widest gap: net charge-offs / loans trails 87% of banks over $10B in assets (rank 125 of 142).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.34%

Rank 59 of 144

Net Interest Margin

3.75%

Rank 30 of 144

Efficiency Ratio

49.22%

Rank 36 of 144

Equity / Assets

10.79%

Rank 87 of 144

Non-interest income vs. expense

$76.1M$224.4MINCOMEEXPENSE
Unfavorable gap of $148.3M · efficiency ratio beats 76% of banks over $10B in assets
Bank 49.22%Peer median 56.0%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.34%1.00%1.26%1.54%Beats 59%59 / 144
Return on Equity12.39%8.98%11.34%14.40%Beats 61%56 / 144
Net Interest Margin3.75%2.82%3.31%3.68%Beats 79%30 / 144
Efficiency Ratio49.22%49.42%56.02%62.41%Beats 76%36 / 144
Asset Quality
Nonperforming Loans / Loans1.54%0.48%0.73%1.07%Beats 13%125 / 142
Net Charge-Offs / Loans0.50%0.05%0.11%0.22%Beats 13%125 / 142
Capital
Tier 1 Capital Ratio13.03%12.07%12.98%14.92%Beats 54%66 / 144
Total Risk-Based Capital Ratio14.18%13.39%14.14%16.25%Beats 52%69 / 144
Equity / Assets10.79%9.69%11.39%12.96%Beats 40%87 / 144
Liquidity & Funding
Loans / Deposits78.66%75.72%84.92%91.56%31st pctl99 / 143
Loans / Assets69.04%59.83%69.07%74.80%49th pctl74 / 144
Brokered Deposits / Depositsn/aNot reported for this institution