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
Unfavorable gap of $148.3M · efficiency ratio beats 76% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 1.00% | 1.26% | 1.54% | Beats 59% | 59 / 144 | |
| Return on Equity | 12.39% | 8.98% | 11.34% | 14.40% | Beats 61% | 56 / 144 | |
| Net Interest Margin | 3.75% | 2.82% | 3.31% | 3.68% | Beats 79% | 30 / 144 | |
| Efficiency Ratio | 49.22% | 49.42% | 56.02% | 62.41% | Beats 76% | 36 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.54% | 0.48% | 0.73% | 1.07% | Beats 13% | 125 / 142 | |
| Net Charge-Offs / Loans | 0.50% | 0.05% | 0.11% | 0.22% | Beats 13% | 125 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 13.03% | 12.07% | 12.98% | 14.92% | Beats 54% | 66 / 144 | |
| Total Risk-Based Capital Ratio | 14.18% | 13.39% | 14.14% | 16.25% | Beats 52% | 69 / 144 | |
| Equity / Assets | 10.79% | 9.69% | 11.39% | 12.96% | Beats 40% | 87 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 78.66% | 75.72% | 84.92% | 91.56% | 31st pctl | 99 / 143 | |
| Loans / Assets | 69.04% | 59.83% | 69.07% | 74.80% | 49th pctl | 74 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |