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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

5.16%Q2 ’245.05%Q2 ’254.72%Q2 ’26+2%+5%

Non-interest income vs. expense

5.30%Q2 ’245.54%Q2 ’255.59%Q2 ’26+21%-36%

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 11 bps year over year; NIM at 2.49%.
  • 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 (quarter, annualized)

2.42%+11 bps YoY

Net Interest Margin (quarter, annualized)

2.49%+12 bps YoY

Efficiency Ratio (quarter, annualized)

61.55%-243 bps YoY

Tier 1 Leverage Ratio

15.37%+209 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.32%2.22%1.93%2.36%2.42%+11 bps
Return on Equity16.27%14.95%12.51%15.39%15.12%-115 bps
Net Interest Margin2.36%2.26%2.41%2.44%2.49%+12 bps
Efficiency Ratio63.98%63.52%67.64%63.74%61.55%-243 bps
Non-Interest Burden-0.67%-0.75%-0.44%-0.77%-0.91%-24 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-0.11%0.00%0.00%0.00%0.00%+11 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