Amarillo National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 18.1% in Q2 2026, from -$5.1M to -$6.0M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Amarillo National Bank is 157th of 184 on CET1 ratio, 13.03% as of Q2 2026, below the middle of the field. At 13.03%, Amarillo National Bank's CET1 ratio is close to the 12.96% median for banks in the $10B-100B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.03% |
| Tier 1 risk-based capital ratio | 13.03% |
| Total risk-based capital ratio | 14.18% |
| Tier 1 leverage ratio | 10.75% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.09B |
| Tier 1 capital | $1.09B |
| Total risk-based capital | $1.18B |
| Total equity capital | $1.12B |
| Risk-weighted assets | $8.35B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.79% |
| Tangible equity to tangible assets | 10.46% |
| Equity capital to average assets | 11.02% |
| Internal capital growth rate | 6.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $50.0M |
| Retained earnings | $1.07B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.02% | 10.02% | 11.15% | 9.43% | $8.13B |
| Q4 2023 | 10.37% | 10.37% | 11.49% | 9.49% | $8.24B |
| Q1 2024 | 10.58% | 10.58% | 11.70% | 9.51% | $8.26B |
| Q2 2024 | 10.68% | 10.68% | 11.80% | 9.74% | $8.36B |
| Q3 2024 | 11.22% | 11.22% | 12.35% | 9.99% | $8.27B |
| Q4 2024 | 11.44% | 11.44% | 12.57% | 10.09% | $8.32B |
| Q1 2025 | 12.10% | 12.10% | 13.26% | 10.30% | $8.10B |
| Q2 2025 | 12.71% | 12.71% | 13.90% | 10.51% | $7.91B |
| Q3 2025 | 12.80% | 12.80% | 13.98% | 10.42% | $7.97B |
| Q4 2025 | 12.61% | 12.61% | 13.77% | 10.60% | $8.27B |
| Q1 2026 | 13.02% | 13.02% | 14.18% | 10.76% | $8.22B |
| Q2 2026 | 13.03% | 13.03% | 14.18% | 10.75% | $8.35B |
Amarillo National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Amarillo National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Amarillo National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14531) · FFIEC NIC profile (RSSD 353555)