Amarillo National Bank
Amarillo National Bank reported total assets of $10.4 bn at Q2 2026, up 5.8% on a year earlier, the 154th largest of 497 banks in our US coverage. The CET1 capital ratio at Amarillo National Bank was 13.03%, and the uninsured share of Amarillo National Bank was 48.63%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Amarillo National Bank climbed from 490th to 429th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Amarillo National Bank has one of the highest net charge-offs to average loans readings among banks of $10 bn to $100 bn: 0.75% at , against a median of 0.14% across 126 banks (FDIC Call Reports).
- Since , Amarillo National Bank has taken over one institution; the latest was Lubbock National Bank on (FDIC Call Reports).
What sets Amarillo National Bank apart
How large is Amarillo National Bank?
The balance sheet of Amarillo National Bank at : assets $10.4 bn, deposits $9.1 bn, net loans $7.1 bn (loans equal to 77.65% of deposits). Securities make up 3.8% of total assets at Amarillo National Bank. Since , when Amarillo National Bank held $3.7 bn, its assets grew 183.0%. In the year to , deposits at Amarillo National Bank rose 5.9% while its total assets rose 5.8%. At , Amarillo National Bank employed 952 full-time equivalent staff across 35 offices, about $10.9 mn of assets per employee and $260.3 mn of deposits per office.
How much funding at Amarillo National Bank is uninsured?
At Amarillo National Bank, uninsured deposits (above the FDIC limit) made up 48.63% of domestic deposits at (+1.73 pp on a year earlier); Amarillo National Bank ranks 95th of 500 on this measure. In dollars, Amarillo National Bank estimated $4.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $9.1 bn | +5.9% | 148th of 499 |
| Net loans and leases | $7.1 bn | +3.9% | 158th of 500 |
| Loan-to-deposit ratio | 77.65% | -1.51 pp | 368th of 500 |
| Tier 1 leverage ratio | 10.75% | +0.24 pp | 200th of 500 |
| Total risk-based capital ratio | 14.18% | +0.28 pp | 232nd of 448 |
| Net interest margin | 3.95% | -0.09 pp | 156th of 500 |
| Return on assets (ROA) | 1.76% | -0.07 pp | 89th of 500 |
| Efficiency ratio | 48.60% | +3.18 pp | 121st of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $6.4 mn | Narrowed by $3.7 mn | |
| Noncurrent loans to total loans | 1.54% | -0.47 pp | 429th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.75% | -0.16 pp | 458th of 500 (1 = lowest) |
US rank of Amarillo National Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Amarillo National Bank: assets, deposits and loans
- Total assets $10.4bn
- Deposits $9.1bn
- Net loans $7.1bn
Capital and securities
The CET1 ratio of Amarillo National Bank stood at 13.03% in , +0.32 pp year on year. Low and high at Amarillo National Bank since : 9.99% () to 14.39% (). Equity capital of Amarillo National Bank at : $1.1 bn, or 10.8% of total assets. Amarillo National Bank also reported a total capital ratio of 14.18% for , and a tier 1 leverage ratio of 10.75%.
The available-for-sale portfolio of Amarillo National Bank showed an unrealized loss of $6.4 mn at ; the loss narrowed by $3.7 mn over the year.
Amarillo National Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 11%
Amarillo National Bank: unrealized securities gains and losses
- Available for sale -$6mn
- Held to maturity $0
Profitability and loan quality
For the year to , Amarillo National Bank earned a return on equity of 16.07%; return on assets: 1.76%. Net interest margin at Amarillo National Bank: 3.95%, -0.09 pp in a year. Amarillo National Bank net income: $88.4 mn, down 0.1% year on year. The efficiency ratio of Amarillo National Bank was 48.60%: about 49 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 1.54% of total loans at Amarillo National Bank; net charge-offs: 0.75% of average loans. Gross loans and leases at Amarillo National Bank: $7.2 bn, up 3.8% in a year.
Amarillo National Bank: profitability
- Return on equity 16%
- Net interest margin 3.9%
- Return on assets 1.8%
Peer group of Amarillo National Bank
The peer group of Amarillo National Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Amarillo National Bank (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 3 have head offices in Texas. Against them, Amarillo National Bank shows CET1 ratio 13.03% against a peer median of 12.88%, return on equity 16.07% against a peer median of 13.98% and uninsured deposit share 48.63% against a peer median of 40.60%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Charles Schwab Trust Bank | State member bank | TX | $10.5 bn | 79.60% | 27.48% | 5.38% | |
| Centier Bank | State nonmember bank | IN | $10.4 bn | 12.85% | 15.71% | 38.52% | |
| Stellar Bank | State member bank | TX | $10.4 bn | 12.79% | -4.12% | 58.47% | |
| Amarillo National Bank | National bank | TX | $10.4 bn | 13.03% | 16.07% | 48.63% | |
| Stock Yards Bank & Trust Company | State nonmember bank | KY | $10.4 bn | 12.02% | 14.12% | 40.97% | |
| Amerant Bank | National bank | FL | $10.3 bn | 12.91% | 9.14% | 46.73% | |
| International Bank of Commerce | State nonmember bank | TX | $10.2 bn | 21.11% | 13.85% | 40.24% | |
. FDIC Call Reports.
Last eight quarters
Two years at Amarillo National Bank, to : assets +10.1%, deposits +9.6%, equity +16.9%. Staff 924 to 952; offices 33 to 35.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $9.4 bn | $9.6 bn | $9.7 bn | $9.8 bn | $10.0 bn | $9.6 bn | $10.2 bn | $10.4 bn |
| Total deposits | $8.3 bn | $8.4 bn | $8.5 bn | $8.6 bn | $8.7 bn | $8.3 bn | $9.0 bn | $9.1 bn |
| Bank equity capital | $957.8 mn | $979.5 mn | $1.0 bn | $1.0 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.1 bn |
| CET1 ratio | 11.22% | 11.44% | 12.10% | 12.71% | 12.80% | 12.61% | 13.02% | 13.03% |
| Return on equity (ROE) | 17.75% | 17.22% | 17.99% | 17.55% | 17.74% | 16.75% | 15.75% | 16.07% |
| Uninsured share of domestic deposits | 47.52% | 47.79% | 48.07% | 46.90% | 48.12% | 47.92% | 49.24% | 48.63% |
| Full-time equivalent employees | 924 | 920 | 925 | 945 | 926 | 928 | 934 | 952 |
| Number of offices | 33 | 34 | 34 | 36 | 36 | 36 | 35 | 35 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Amarillo National Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Lubbock National Bank (FDIC certificate 22752).
Questions and identifiers
What were the total assets of Amarillo National Bank?
Amarillo National Bank reported $10.4 bn at in its Call Report. That makes Amarillo National Bank the 154th largest of 497 banks in our US coverage.
Is Amarillo National Bank the same as its holding company?
No. This page covers Amarillo National Bank, FDIC certificate 14531; AMARILLO NATIONAL BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Amarillo National Bank profitable?
Amarillo National Bank reported net income of $88.4 mn for the year to ; annualized return on equity: 16.07%. So yes: Amarillo National Bank made a profit over these months.
When is data for Amarillo National Bank next updated?
Figures from Amarillo National Bank for are due after .
Where can I check the figures for Amarillo National Bank?
In the FDIC BankFind Suite record for certificate 14531, and in the Call Reports of Amarillo National Bank (RSSD ID 353555) at the FFIEC Central Data Repository.