Amarillo National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 8.45 percentage points lower than in Q1 2026, at 89.22%. Amarillo National Bank ranks 99th of 345 Texas banks on return on assets, in the upper half at 1.79% (Q2 2026). Amarillo National Bank reported 1.79% on return on assets for Q2 2026, 0.49 points above the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.03% |
| Tier 1 risk-based capital ratio | 13.03% |
| Total risk-based capital ratio | 14.18% |
| Tier 1 leverage ratio | 10.75% |
| Equity capital to assets | 10.79% |
| Tangible equity to tangible assets | 10.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.44% |
| Non-performing assets ratio | 0.99% |
| Net charge-off ratio | 0.77% |
| Texas ratio | 9.76% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 89.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 16.36% |
| Net interest margin | 3.89% |
| Efficiency ratio | 48.54% |
| Yield on earning assets | 6.01% |
| Cost of funds | 2.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.66% |
| Core deposits to total deposits | 88.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.77% |
| Securities to assets | 3.80% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.02% | 10.02% | 11.15% | 9.43% | -1.63% |
| Q4 2023 | 10.37% | 10.37% | 11.49% | 9.49% | 2.01% |
| Q1 2024 | 10.58% | 10.58% | 11.70% | 9.51% | 1.37% |
| Q2 2024 | 10.68% | 10.68% | 11.80% | 9.74% | 1.61% |
| Q3 2024 | 11.22% | 11.22% | 12.35% | 9.99% | 2.26% |
| Q4 2024 | 11.44% | 11.44% | 12.57% | 10.09% | 1.60% |
| Q1 2025 | 12.10% | 12.10% | 13.26% | 10.30% | 1.87% |
| Q2 2025 | 12.71% | 12.71% | 13.90% | 10.51% | 1.82% |
| Q3 2025 | 12.80% | 12.80% | 13.98% | 10.42% | 1.92% |
| Q4 2025 | 12.61% | 12.61% | 13.77% | 10.60% | 1.50% |
| Q1 2026 | 13.02% | 13.02% | 14.18% | 10.76% | 1.72% |
| Q2 2026 | 13.03% | 13.03% | 14.18% | 10.75% | 1.79% |
Amarillo National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Amarillo National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)