Amarillo, TX · Cert 14531 · Amarillo National Bcorp Inc.
National charter · OCC · 34 branches
Q2 2026
Market Position · Amarillo, TX · 2026 SOD (annual) · 61.6% share · #1 of 21 inst. · $7.2B of $11.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.78% | 1.26% | 1.46% | 1.41% | 1.50% | 1.20% | 1.36% | 1.39% | -2 bps | |
| Return on Equity | 17.73% | 12.38% | 14.16% | 13.46% | 14.19% | 10.97% | 12.38% | 12.84% | -62 bps | |
| Net Interest Margin | 4.08% | 4.05% | 3.96% | 3.88% | 3.89% | 3.92% | 3.79% | 3.79% | -9 bps | |
| Efficiency Ratio | 39.52% | 41.03% | 45.79% | 45.07% | 48.71% | 44.11% | 48.64% | 48.57% | +350 bps | |
| Non-Interest Burden | 1.17% | 1.26% | 1.45% | 1.36% | 1.46% | 1.29% | 1.49% | 1.45% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.26% | 4.29% | 4.94% | 6.72% | 5.68% | -0.06% | 4.95% | 5.76% | -97 bps | |
| Loan Growth (YoY) | 3.84% | 2.25% | -2.00% | -5.64% | -5.61% | -3.30% | -0.35% | 3.83% | +947 bps | |
| Deposit Growth (YoY) | 7.24% | 4.68% | 4.24% | 6.06% | 5.08% | -0.97% | 5.17% | 5.88% | -18 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.03% | 1.31% | 1.49% | 2.01% | 1.78% | 1.56% | 1.33% | 1.54% | -47 bps | |
| Net Charge-Offs / Loans | 0.80% | 1.50% | 0.91% | 0.93% | 0.67% | 1.52% | 0.74% | 0.76% | -17 bps | |
| Allowance / Loans | 1.24% | 1.24% | 1.27% | 1.31% | 1.32% | 1.29% | 1.30% | 1.28% | -2 bps | |
| Allowance Coverage of NPLs | 1.2x | 0.9x | 0.9x | 0.6x | 0.7x | 0.8x | 1.0x | 0.8x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.99% | 10.09% | 10.30% | 10.51% | 10.42% | 10.60% | 10.76% | 10.75% | +24 bps | |
| Total Risk-Based Capital | 12.35% | 12.57% | 13.26% | 13.90% | 13.98% | 13.77% | 14.18% | 14.18% | +28 bps | |
| Equity / Assets | 10.16% | 10.25% | 10.36% | 10.56% | 10.57% | 11.28% | 10.78% | 10.79% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.60% | 87.14% | 83.20% | 80.21% | 78.70% | 85.09% | 78.83% | 78.66% | -155 bps | |
| Liquid Assets / Assets | 14.36% | 15.28% | 19.40% | 22.29% | 23.80% | 18.03% | 23.75% | 24.11% | +182 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 133.03% | 134.65% | 134.33% | n/a | n/a | |