Amg National Trust 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.91 percentage points lower than in Q1 2026, at 157.28%. On loan-to-deposit ratio, Amg National Trust Bank is 4th from the bottom among 63 Colorado banks, 46.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Amg National Trust Bank sits 34.31 points lower, at 46.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $275.3M |
| Net loans and leases | $272.5M |
| Loans held for sale | $0 |
| Loans to total assets | 38.08% |
| Loan-to-deposit ratio | 46.53% |
| Net loans to equity capital | 2.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.59% |
| Multifamily (5+ residential) | 11.85% |
| Commercial and industrial | 0.96% |
| Consumer | 13.55% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 157.28% |
| Construction concentration (Tier 1 capital + allowance) | 22.48% |
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 | 6.44% |
| Interest income on loans | $4.6M |
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 | $221.2M | $495.4M | 49.20% | 1.44% | 16.38% |
| Q4 2023 | $236.5M | $591.7M | 49.90% | 2.25% | 15.81% |
| Q1 2024 | $235.3M | $609.4M | 50.45% | 3.38% | 14.97% |
| Q2 2024 | $259.3M | $550.8M | 48.72% | 3.67% | 17.46% |
| Q3 2024 | $260.5M | $531.1M | 49.68% | 3.23% | 16.50% |
| Q4 2024 | $272.7M | $615.5M | 49.24% | 2.87% | 16.61% |
| Q1 2025 | $267.4M | $622.5M | 50.00% | 1.52% | 16.21% |
| Q2 2025 | $277.2M | $635.0M | 46.15% | 3.43% | 15.97% |
| Q3 2025 | $272.8M | $613.0M | 48.63% | 0.20% | 14.92% |
| Q4 2025 | $283.7M | $617.2M | 47.02% | 0.37% | 15.73% |
| Q1 2026 | $288.1M | $666.7M | 45.82% | 1.96% | 13.84% |
| Q2 2026 | $275.3M | $591.6M | 48.59% | 0.96% | 13.55% |
Amg National Trust Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Amg National Trust 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 Amg National Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57295) · FFIEC NIC profile (RSSD 3015939)