Amarillo National Bank
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Data as of · sourced from FFIEC call reports. How we update
Amarillo National Bank is an FDIC-insured commercial bank headquartered in Amarillo, TX, established in 1892 (FDIC certificate 14531), and it is supervised by the OCC. At Q2 2026 it reported total assets of $10.38B, up 5.8% from Q2 2025, the 11th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 13.03% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 14531
- Headquarters
- Amarillo, TX
- Established
- 1892
- Total assets, Q2 2026
- $10.38B
- Assets vs Q2 2025
- +5.8%
- CET1 ratio, Q2 2026
- 13.03%
- Domestic offices
- 35 FDIC institution directory, current count
- Routing number
- 111300958
- Latest call report
- Q2 2026, FFIEC 041 · Amarillo National Bank call report
- Holding company
- AMARILLO NATIONAL BANCORP, INC.
- Asset rank in state
- 11th of 346 in Texas
Amarillo National Bank, based in Amarillo, Texas, reported $10.4 billion in assets at June 30, 2026, up 5.8% from a year earlier. It carries problem assets equal to 9.4% of the capital and reserves that would absorb them, about double the median of 4.2% for the 127 banks with $10 billion to $100 billion in assets. On the other hand, it holds commercial real estate loans equal to only 48% of its capital, a small fraction of the median of 2.2 times for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.54% of loans, down from 2.01% a year earlier. Its $2.7 billion commercial and industrial book is improving, with 1.10% past due or on nonaccrual, down from 2.78% a year earlier. Funding is the softer spot: it holds about half of its deposits (49%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 38.6%).
As of June 30, 2026, Amarillo National Bank reported a CET1 capital ratio of 13.03%, a return on assets of 1.79%, a nonperforming-loan ratio of 1.54% and a Texas ratio of 9.43%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Amarillo National Bank is the 11th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $10.38B, loans rose 1.5% and deposits rose 1.8%. Commercial and industrial loans made up 38.1% of its total loans on June 30, 2026, its largest category; next came auto loans at 11.9%. The FDIC Summary of Deposits lists 34 offices for it, in 9 cities in TX; its Amarillo 15 offices book 77% of its branch deposits. By the capital ratios in its Q2 2026 call report, Amarillo National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 410 S Taylor St, Amarillo, TX 79101
- County
- Potter
- Metro Area
- Amarillo, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1892
- Domestic offices
- 35 FDIC institution directory, current count
- Employees (FTE)
- 952
- Domestic deposits
- $9.11B
- Allowance for credit losses
- $92.0M
- Net charge-offs (YTD)
- $26.7M
- Average total assets
- $10.16B
- Average total loans
- $7.08B
- Average interest-bearing deposits
- $7.46B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 14531
- Fed RSSD
- 353555
- Website
- www.anb.com →
- Parent Holding Company
- AMARILLO NATIONAL BANCORP, INC. (RSSD 1107205)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Amarillo National Bank's total assets ran between $8.79B (Q3 2023) and $10.38B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$10.38B total assets against $9.82B; $9.26B total liabilities against $8.78B.
$7.07B net loans and leases against $6.81B; $9.11B total deposits against $8.60B.
$395.0M securities against $383.8M; $2.59B cash and balances due against $2.31B.
$148.1M total interest income against $153.8M; $52.3M total interest expense against $61.0M.
$95.9M net interest income against $92.9M.
$20.0M total noninterest income against $18.3M; $56.9M total noninterest expense against $51.0M.
$14.1M provision for credit losses against $16.5M.
$45.4M net income against $43.8M.
1.79% return on assets against 1.82%; 3.89% net interest margin against 3.98%.
13.03% CET1 capital ratio against 12.71%; 10.75% tier 1 leverage ratio against 10.51%.
Inside the full Amarillo National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmarillo National Bank rankings
Its closest position to the top of a national ranking is 152 of 4,196, for total assets; its furthest is 1,389 of 2,134, for CET1 ratio.
Metric pages for Amarillo National Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.50% (Q4 2025) to 2.26% (Q3 2024) and its net interest margin ran from 3.89% (Q1 2026) to 4.19% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.03% | 1.79% | 1.54% | 9.43% | 3.89% |
| Q1 2026 | 13.02% | 1.72% | 1.33% | 8.13% | 3.89% |
| Q4 2025 | 12.61% | 1.50% | 1.56% | 9.82% | 4.02% |
| Q3 2025 | 12.80% | 1.92% | 1.78% | 11.32% | 3.99% |
| Q2 2025 | 12.71% | 1.82% | 2.01% | 13.01% | 3.98% |
| Q1 2025 | 12.10% | 1.87% | 1.49% | 11.49% | 4.07% |
| Q4 2024 | 11.44% | 1.60% | 1.31% | 11.16% | 4.16% |
| Q3 2024 | 11.22% | 2.26% | 1.03% | 9.79% | 4.19% |
Swipe the table sideways to see every column.
Branch Network
View all 34 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Amarillo National Bank (main office) | Amarillo , TX | 79101 | $4.61B |
| Lubbock Branch | Lubbock , TX | 79414 | $481.6M |
| Hillside Branch | Amarillo , TX | 79109 | $391.6M |
| Georgia Financial Center Branch | Amarillo , TX | 79109 | $366.5M |
| Soncy Branch | Amarillo , TX | 79124 | $314.4M |
| Greenways Branch | Amarillo , TX | 79119 | $314.2M |
| Southwest Branch | Lubbock , TX | 79423 | $273.2M |
| Bell Branch | Amarillo , TX | 79109 | $259.5M |
| Tascosa Road Branch | Amarillo , TX | 79124 | $244.9M |
| Canyon Branch | Canyon , TX | 79015 | $199.1M |
| Borger Branch | Borger , TX | 79007 | $175.6M |
| Medical Branch | Amarillo , TX | 79106 | $161.7M |
| College Station Office | College Station , TX | 77840 | $134.2M |
| Fitch Branch | College Station , TX | 77845 | $124.5M |
| North Branch | Amarillo , TX | 79107 | $120.7M |
| Northeast Branch | Amarillo , TX | 79107 | $111.3M |
| Camp Bowie Branch | Fort Worth , TX | 76107 | $108.3M |
| Southeast Branch | Amarillo , TX | 79103 | $105.8M |
| Downtown Branch | Lubbock , TX | 79401 | $105.1M |
| Austin Office | Austin , TX | 78746 | $103.9M |
| 19th Street Branch | Lubbock , TX | 79407 | $100.0M |
| Oak Park Branch | San Antonio , TX | 78209 | $98.8M |
| 96th & Slide Road Branch | Lubbock , TX | 79424 | $81.2M |
| Lbk Quaker Branch | Lubbock , TX | 79424 | $77.5M |
| Villa Maria Branch | Bryan , TX | 77802 | $22.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 4, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 4, 2019 | Structure Change | Acquired Lubbock National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 11, 1993 | Structure Change | Acquired Banccentral Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 10, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 17, 1991 | Structure Change | Acquired Citizens Security Bank, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 16, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 29, 1991 | Structure Change | Acquired First Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 28, 1991 | Merger | Rtc Assisted Merger | FDIC |
| December 5, 1986 | Structure Change | Acquired Panhandle Bank & Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 4, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- March 15, 2013, OCC: Civil Money Penalty (CMP): Amarillo National Bank
- Period: Most recent institution action March 15, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in TX, rank 21 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,811 applications, 1,841 loans originated, $419.5M originated, across 15 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $2.3M approved, $758K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Amarillo National Bank
What are Amarillo National Bank's total assets?
As of the Q2 2026 filing, Amarillo National Bank reported total assets of $10.38 billion in its FFIEC call report.
Where is Amarillo National Bank headquartered?
It is headquartered in Amarillo, TX, United States.
When was Amarillo National Bank founded?
It was established in 1892, per the FDIC institution directory.
Is Amarillo National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Amarillo National Bank?
Amarillo National Bank's primary federal regulator is the OCC.
What is Amarillo National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Amarillo National Bank operate?
It operates 35 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Amarillo National Bank's Texas Ratio?
Its Texas Ratio is 9.43% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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