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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

7.08%Q2 ’246.40%Q2 ’255.83%Q2 ’26-1%-2%

Non-interest income vs. expense

2.06%Q2 ’242.12%Q2 ’252.24%Q2 ’26+7%+7%

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 1.39%, down 2 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 1.54% of loans (-47 bps YoY), with net charge-offs at 0.76%.
  • 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 (quarter, annualized)

1.39%-2 bps YoY

Net Interest Margin (quarter, annualized)

3.79%-9 bps YoY

Efficiency Ratio (quarter, annualized)

48.57%+350 bps YoY

Tier 1 Leverage Ratio

10.75%+24 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.50%1.20%1.36%1.39%-2 bps
Return on Equity13.46%14.19%10.97%12.38%12.84%-62 bps
Net Interest Margin3.88%3.89%3.92%3.79%3.79%-9 bps
Efficiency Ratio45.07%48.71%44.11%48.64%48.57%+350 bps
Non-Interest Burden1.36%1.46%1.29%1.49%1.45%+9 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%0.67%1.52%0.74%0.76%-17 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