Amarillo National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Amarillo National Bank is the primary bank subsidiary of its parent holding company, headquartered in Amarillo, TX. The bank posts a strong 1.79% ROA and 16.36% ROE. Amarillo National's Q2 2026 balance sheet shows $10.4B in assets funded primarily by $9.1B in customer deposits. Regulatory capital is solid, 13.03% CET1 and 14.18% total risk-based capital ratio. Asset quality is solid, 1.44% nonperforming loans and a 9.76% Texas Ratio. Its footprint covers 35 branches concentrated in Texas.
As of June 30, 2026, Amarillo National Bank reported a CET1 capital ratio of 13.03%, a return on assets of 1.79%, a nonperforming-loan ratio of 1.44%, a Texas ratio of 9.76%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 410 S Taylor St, Amarillo, TX 79101
- County
- Potter
- Metro Area
- Amarillo, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1892
- Offices
- 35 domestic
- Employees (FTE)
- 952
- Domestic deposits
- $9.11B
- Allowance for credit losses
- $92.0M
- Net charge-offs (YTD)
- $26.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 14531
- Fed RSSD
- 353555
- Website
- www.anb.com →
- Parent Holding Company
- AMARILLO NATIONAL BANCORP, INC. (RSSD 1107205)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Amarillo National Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Amarillo National Bank, freeAmarillo National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Amarillo National Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.03% | 1.79% | 1.44% | 9.76% | 3.89% |
| Q1 2026 | 13.02% | 1.72% | 1.33% | 8.46% | 3.89% |
| Q4 2025 | 12.61% | 1.50% | 1.57% | 10.16% | 4.02% |
| Q3 2025 | 12.80% | 1.92% | 1.71% | 11.70% | 3.99% |
| Q2 2025 | 12.71% | 1.82% | 1.99% | 13.39% | 3.98% |
| Q1 2025 | 12.10% | 1.87% | 1.12% | 11.85% | 4.07% |
| Q4 2024 | 11.44% | 1.60% | 1.25% | 11.53% | 4.16% |
| Q3 2024 | 11.22% | 2.26% | 1.03% | 10.23% | 4.19% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 34 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Amarillo National Bank (main office) | Amarillo , TX | 79101 | $4.61B |
| Lubbock Branch | Lubbock , TX | 79414 | $481.6M |
| Hillside Branch | Amarillo , TX | 79109 | $391.6M |
| Georgia Financial Center Branch | Amarillo , TX | 79109 | $366.5M |
| Soncy Branch | Amarillo , TX | 79124 | $314.4M |
| Greenways Branch | Amarillo , TX | 79119 | $314.2M |
| Southwest Branch | Lubbock , TX | 79423 | $273.2M |
| Bell Branch | Amarillo , TX | 79109 | $259.5M |
| Tascosa Road Branch | Amarillo , TX | 79124 | $244.9M |
| Canyon Branch | Canyon , TX | 79015 | $199.1M |
| Borger Branch | Borger , TX | 79007 | $175.6M |
| Medical Branch | Amarillo , TX | 79106 | $161.7M |
| College Station Office | College Station , TX | 77840 | $134.2M |
| Fitch Branch | College Station , TX | 77845 | $124.5M |
| North Branch | Amarillo , TX | 79107 | $120.7M |
| Northeast Branch | Amarillo , TX | 79107 | $111.3M |
| Camp Bowie Branch | Fort Worth , TX | 76107 | $108.3M |
| Southeast Branch | Amarillo , TX | 79103 | $105.8M |
| Downtown Branch | Lubbock , TX | 79401 | $105.1M |
| Austin Office | Austin , TX | 78746 | $103.9M |
| 19th Street Branch | Lubbock , TX | 79407 | $100.0M |
| Oak Park Branch | San Antonio , TX | 78209 | $98.8M |
| 96th & Slide Road Branch | Lubbock , TX | 79424 | $81.2M |
| Lbk Quaker Branch | Lubbock , TX | 79424 | $77.5M |
| Villa Maria Branch | Bryan , TX | 77802 | $22.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 4, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 4, 2019 | Structure Change | Acquired Lubbock National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 11, 1993 | Structure Change | Acquired Banccentral Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 10, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 17, 1991 | Structure Change | Acquired Citizens Security Bank, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 16, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 29, 1991 | Structure Change | Acquired First Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 28, 1991 | Merger | Rtc Assisted Merger | FDIC |
| December 5, 1986 | Structure Change | Acquired Panhandle Bank & Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 4, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for Amarillo National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- March 15, 2013, OCC: Civil Money Penalty (CMP): Amarillo National Bank
- Period: Most recent institution action March 15, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in TX, rank 21 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,811 applications, 1,841 loans originated, $419.5M originated, across 15 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Amarillo National Bank
What are Amarillo National Bank's total assets?
As of the Q2 2026 filing, Amarillo National Bank reported total assets of $10.38 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Amarillo National Bank headquartered?
Amarillo National Bank is headquartered in Amarillo, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Amarillo National Bank founded?
Amarillo National Bank was established in 1892, per the FDIC institution directory.
Is Amarillo National Bank FDIC-insured?
Yes. Amarillo National Bank is an FDIC-insured commercial bank (FDIC Certificate #14531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Amarillo National Bank?
Amarillo National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Amarillo National Bank's CET1 capital ratio?
Amarillo National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Amarillo National Bank operate?
Amarillo National Bank operates 35 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Amarillo National Bank's Texas Ratio?
Amarillo National Bank's Texas Ratio is 9.76% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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