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Amg National Trust Bank

Boulder, CO · Cert 57295 · Amg National Corp.

National charter · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

62

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

Amg National Trust Bank

Boulder, CO · Cert 57295 · Amg National Corp.

National charter · OCC · 8 branches

Q2 2026

$722.9MAssets
$275.3MLoans
$591.6MDeposits
$123.8MEquity
Loan mix
83%RE $229.3M2%C&I $5.6M15%Consumer $40.0MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $588.9M0%Noninterest $2.6MQ2 2025Q2 2026

NIM

4.92%Q2 ’245.00%Q2 ’254.71%Q2 ’26+10%+4%

Non-interest income vs. expense

5.38%Q2 ’245.71%Q2 ’255.70%Q2 ’26+29%-72%

Market Position · Boulder, CO · 2026 SOD (annual) · 5.1% share · #5 of 32 inst. · $0.6B of $11.6B

5.1% Boulder
0.0% Arapahoe
0.0% Morris
0.0% Virginia Beach (City)

Executive Summary

  • Earnings: ROA of 2.42%, up 23 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 0.04% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.37%, up 209 bps from a year ago.
  • Funding: loans stand at 46.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.42%+23 bps YoY

Net Interest Margin (YTD, annualized)

2.47%+10 bps YoY

Efficiency Ratio (YTD, annualized)

62.65%-336 bps YoY

Tier 1 Leverage Ratio

15.37%+209 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.20%2.21%2.14%2.36%2.42%+23 bps
Return on Equity15.63%15.39%14.64%15.39%15.24%-39 bps
Net Interest Margin2.37%2.30%2.36%2.44%2.47%+10 bps
Efficiency Ratio66.00%65.18%65.81%63.74%62.65%-336 bps
Non-Interest Burden-0.49%-0.57%-0.55%-0.77%-0.84%-35 bps
Growth
Asset Growth (YoY)13.77%13.43%2.46%8.22%-3.67%-1,743 bps
Loan Growth (YoY)6.91%4.71%4.03%7.76%-0.70%-761 bps
Deposit Growth (YoY)15.28%15.41%0.28%7.09%-6.84%-2,212 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.06%0.03%0.04%-1 bps
Net Charge-Offs / Loans-0.05%-0.04%-0.03%0.00%0.00%+5 bps
Allowance / Loans1.03%1.02%1.03%0.95%1.00%-3 bps
Allowance Coverage of NPLs23.4x25.1x16.8x29.9x26.0x+2.6x
Capital
Tier 1 Leverage Ratio13.28%13.57%14.38%14.64%15.37%+209 bps
Total Risk-Based Capital20.77%22.55%22.66%22.27%24.95%+417 bps
Equity / Assets14.37%15.31%15.62%15.04%17.13%+276 bps
Liquidity & Funding
Loans / Deposits43.65%44.50%45.97%43.21%46.53%+288 bps
Liquid Assets / Assets26.06%29.99%27.09%25.05%29.49%+343 bps
CRE / Total Capitaln/a189.47%189.97%184.55%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

Amg National Trust Bank

Boulder, CO · Cert 57295 · Peer group: banks under $1B in assets (n=581-629) · Amg National Corp.

National charter · OCC · 8 branches

Q2 2026

$722.9MAssets
$275.3MLoans
$591.6MDeposits
$123.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: net interest margin trails 91% of banks under $1B in assets (rank 571 of 629).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.52%

Rank 50 of 629

Net Interest Margin

2.47%

Rank 571 of 629

Efficiency Ratio

63.52%

Rank 238 of 629

Equity / Assets

17.13%

Rank 103 of 629

Non-interest income vs. expense

$49.2M$42.9MINCOMEEXPENSE
Favorable gap of $6.3M · efficiency ratio beats 62% of banks under $1B in assets
Bank 63.52%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.52%0.60%1.01%1.45%Beats 92%50 / 629
Return on Equity14.72%5.38%9.30%13.28%Beats 82%114 / 629
Net Interest Margin2.47%3.03%3.54%4.05%Beats 9%571 / 629
Efficiency Ratio63.52%58.35%67.79%79.08%Beats 62%238 / 629
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.46%1.20%Beats 82%104 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio24.32%11.24%13.84%18.77%Beats 83%106 / 629
Total Risk-Based Capital Ratio24.95%11.58%14.43%19.66%Beats 83%109 / 629
Equity / Assets17.13%9.09%10.65%13.80%Beats 84%103 / 629
Liquidity & Funding
Loans / Deposits46.53%67.24%80.90%93.48%10th pctl537 / 594
Loans / Assets38.08%53.31%67.71%78.15%14th pctl541 / 629
Brokered Deposits / Depositsn/aNot reported for this institution