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Amarillo National Bank
Amarillo, TX·FDIC Cert #14531·Charter: OCC·Est. 18920101.0·HC: AMARILLO NATIONAL BCORP INC
Total Assets
$9.6B
Q4 2025
Return on Assets
1.78%
-0.08%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
45.93%
Peer avg: 56.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.78%-0.08
ROE
16.75%-0.99
Efficiency
45.93%-0.63
Equity/Assets
0.00%+0.00
NPL Ratio
1.58%-0.22
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
83.99%+6.33
Charge-offs
1.00%+0.17
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.5 | 1.7 | 1.7 | 1.9 | 1.8 | 1.9 | 1.8 |
| ROE | 14.3 | 15.3 | 17.8 | 17.2 | 18.0 | 17.6 | 17.7 | 16.8 |
| Efficiency | 43.1 | 42.9 | 41.7 | 41.5 | 45.8 | 45.4 | 46.6 | 45.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.1 | 1.2 | 1.0 | 1.3 | 1.5 | 2.0 | 1.8 | 1.6 |
| Charge-offs | 1.4 | 1.3 | 1.1 | 1.2 | 0.9 | 0.9 | 0.8 | 1.0 |
| Loan/Deposit | 87.4 | 89.1 | 86.5 | 86.1 | 82.1 | 79.2 | 77.7 | 84.0 |
Balance Sheet
Total Assets$9.6B
Total Deposits$8.3B
Total Loans$7.0B
Total Equity$1.1B
Profitability
ROA1.78%
ROE16.75%
Efficiency Ratio45.93%
Net Income$172.7M
Risk & Asset Quality
NPL Ratio1.58%
Charge-off Rate1.00%
Loan/Deposit83.99%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans