Amarillo National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 125.0% in Q2 2026, from $10.9M to $24.5M. It was the largest change from Q1 2026 among the key lines here. Amarillo National Bank ranks 136th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 78.66% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Amarillo National Bank sits 8.17 points lower, at 78.66% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $7.17B |
| Net loans and leases | $7.07B |
| Loans held for sale | $24.5M |
| Loans to total assets | 69.04% |
| Loan-to-deposit ratio | 78.66% |
| Net loans to equity capital | 6.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.46% |
| Multifamily (5+ residential) | 0.10% |
| Commercial and industrial | 38.08% |
| Consumer | 20.13% |
| Credit cards | 0.16% |
| Farm | 2.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 48.32% |
| Construction concentration (Tier 1 capital + allowance) | 25.56% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $122.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $7.01B | $7.75B | 13.22% | 40.64% | 20.24% |
| Q4 2023 | $7.17B | $8.04B | 13.41% | 40.73% | 20.30% |
| Q1 2024 | $7.23B | $8.17B | 13.12% | 40.38% | 20.57% |
| Q2 2024 | $7.32B | $8.11B | 13.33% | 40.74% | 20.78% |
| Q3 2024 | $7.28B | $8.31B | 13.58% | 41.04% | 19.63% |
| Q4 2024 | $7.34B | $8.42B | 13.73% | 40.41% | 19.53% |
| Q1 2025 | $7.08B | $8.51B | 14.06% | 40.60% | 19.84% |
| Q2 2025 | $6.90B | $8.60B | 14.54% | 39.94% | 19.84% |
| Q3 2025 | $6.87B | $8.73B | 14.74% | 39.91% | 19.16% |
| Q4 2025 | $7.09B | $8.34B | 14.95% | 38.54% | 18.72% |
| Q1 2026 | $7.06B | $8.95B | 15.79% | 37.43% | 19.65% |
| Q2 2026 | $7.17B | $9.11B | 15.46% | 38.08% | 20.13% |
Amarillo National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Amarillo National Bank, freeSource: Call Report Schedule RC-C, 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)