Amarillo National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Amarillo National Bank of Amarillo, TX against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.79% | 1.35% | +0.44% | 82nd top |
| ROAE | 16.36% | 12.28% | +4.08% | 83rd top |
| Net Interest Margin | 3.89% | 3.68% | +0.21% | 72nd above |
| Efficiency Ratio | 48.54% | 53.83% | -5.29% | 72nd above |
| PPNR / Avg Assets | 2.32% | 1.96% | +0.36% | 81st top |
| Yield on Earning Assets | 6.01% | 5.57% | +0.44% | 85th top |
| Cost of Funds | 2.31% | 1.99% | +0.32% | 31st below |
| Net Interest Spread | 3.26% | 2.98% | +0.28% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.44% | 1.05% | +0.39% | 13th bottom |
| NPA / Total Assets | 0.99% | 0.76% | +0.23% | 18th bottom |
| NCO / Avg Loans | 0.77% | 0.36% | +0.41% | 9th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.28% | 1.37% | -0.09% | 67th above |
| ACL / NPLs (Coverage) | 89.22% | 210.27% | -121.05% | 23rd bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 9.76% | 10.24% | -0.48% | 22nd bottom |
| Provision / NCO | 102.47% | 107.43% | -4.96% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.03% | 14.75% | -1.72% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.03% | 14.87% | -1.84% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.18% | 16.09% | -1.91% | 53rd above |
| Leverage Ratio | 10.75% | 10.26% | +0.49% | 66th above |
| Equity / Assets | 10.79% | 11.55% | -0.76% | 37th below |
| TCE / Tangible Assets | 10.46% | 9.48% | +0.98% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.66% | 83.90% | -5.24% | 73rd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.81% | 86.76% | +2.05% | 41st below |
| Uninsured Deposit Ratio | 48.63% | 38.91% | +9.72% | 21st bottom |
| Wholesale Funding Ratio | 0.74% | 5.66% | -4.92% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.76% | 10.10% | -4.34% | 50th above |
| Loan Growth (Y/Y) | 3.83% | 10.14% | -6.31% | 35th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.88% | 9.95% | -4.07% | 53rd above |
See Amarillo National Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Amarillo National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Amarillo National Bank profile, how to read a UBPR, or how this data updates.