Boulder, CO · Cert 57295 · Amg National Corp.
National charter · OCC · 8 branches
Q2 2026
Market Position · Boulder, CO · 2026 SOD (annual) · 5.1% share · #5 of 32 inst. · $0.6B of $11.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.20% | 2.21% | 2.14% | 2.36% | 2.42% | +23 bps | |
| Return on Equity | 15.63% | 15.39% | 14.64% | 15.39% | 15.24% | -39 bps | |
| Net Interest Margin | 2.37% | 2.30% | 2.36% | 2.44% | 2.47% | +10 bps | |
| Efficiency Ratio | 66.00% | 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 / Loans | 0.04% | 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 / Loans | 1.03% | 1.02% | 1.03% | 0.95% | 1.00% | -3 bps | |
| Allowance Coverage of NPLs | 23.4x | 25.1x | 16.8x | 29.9x | 26.0x | +2.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.28% | 13.57% | 14.38% | 14.64% | 15.37% | +209 bps | |
| Total Risk-Based Capital | 20.77% | 22.55% | 22.66% | 22.27% | 24.95% | +417 bps | |
| Equity / Assets | 14.37% | 15.31% | 15.62% | 15.04% | 17.13% | +276 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.65% | 44.50% | 45.97% | 43.21% | 46.53% | +288 bps | |
| Liquid Assets / Assets | 26.06% | 29.99% | 27.09% | 25.05% | 29.49% | +343 bps | |
| CRE / Total Capital | n/a | 189.47% | 189.97% | 184.55% | n/a | n/a | |