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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 $40.0MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $588.9M0%Noninterest $2.6MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.19%2.28%2.08%2.20%2.21%2.14%2.36%2.42%+23 bps
Return on Equity14.88%15.73%14.97%15.63%15.39%14.64%15.39%15.24%-39 bps
Net Interest Margin2.33%2.34%2.38%2.37%2.30%2.36%2.44%2.47%+10 bps
Efficiency Ratio64.52%63.48%68.03%66.00%65.18%65.81%63.74%62.65%-336 bps
Non-Interest Burden-0.78%-0.85%-0.31%-0.49%-0.57%-0.55%-0.77%-0.84%-35 bps
Growth
Asset Growth (YoY)7.54%4.21%2.70%13.77%13.43%2.46%8.22%-3.67%-1,743 bps
Loan Growth (YoY)17.79%15.29%13.63%6.91%4.71%4.03%7.76%-0.70%-761 bps
Deposit Growth (YoY)7.21%4.02%2.15%15.28%15.41%0.28%7.09%-6.84%-2,212 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.05%0.04%0.04%0.04%0.06%0.03%0.04%-1 bps
Net Charge-Offs / Loans0.00%0.05%0.00%-0.05%-0.04%-0.03%0.00%0.00%+5 bps
Allowance / Loans1.25%1.17%1.12%1.03%1.02%1.03%0.95%1.00%-3 bps
Allowance Coverage of NPLs33.9x25.4x26.5x23.4x25.1x16.8x29.9x26.0x+2.6x
Capital
Tier 1 Leverage Ratio14.54%13.33%12.67%13.28%13.57%14.38%14.64%15.37%+209 bps
Total Risk-Based Capital20.68%18.49%18.50%20.77%22.55%22.66%22.27%24.95%+417 bps
Equity / Assets16.47%13.70%14.09%14.37%15.31%15.62%15.04%17.13%+276 bps
Liquidity & Funding
Loans / Deposits49.05%44.31%42.95%43.65%44.50%45.97%43.21%46.53%+288 bps
Liquid Assets / Assets20.45%21.97%22.64%26.06%29.99%27.09%25.05%29.49%+343 bps
CRE / Total Capitaln/an/an/an/a189.47%189.97%184.55%n/an/a