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Amarillo National Bank
Amarillo, TX · FDIC Certificate #14531 · Chartered 01/0
Total assets
$10.38B
Total deposits
$9.11B
Total equity
$1.12B
Net loans
$7.07B
Branches (offices)
34
Net income (YTD)
$88.36M
Rank: #156 of 4,213 U.S. banks by assets · #11 of 346 in Texas. Assets changed 5.8% and deposits 5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.76% |
| Return on equity | 16.07% |
| Net interest margin (YTD) | 3.95% |
| Equity to assets | 10.79% |
| Tier 1 leverage ratio | 10.75% |
| Uninsured deposits (share of deposits) | 48.6% |
| Noncurrent loans (share of loans) | 1.54% |
| Net charge-offs (share of loans) | 0.75% |
| Loans to deposits | 77.6% |
| Real estate loans (share of loans) | 30.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.12B | 30.0% | |
| Commercial & industrial | $2.73B | 38.6% | |
| Consumer / individual | $1.44B | 20.4% | |
| Construction & development | $301.75M | 4.3% | |
| Agricultural | $700.75M | 9.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $7.91B | $7.00B | $63.11M | $761.59M |
| Jun 2023 | $8.57B | $7.51B | $91.45M | $865.07M |
| Jun 2024 | $9.20B | $8.11B | $68.75M | $916.51M |
| Jun 2025 | $9.82B | $8.60B | $88.48M | $1.04B |
| Jun 2026 | $10.38B | $9.11B | $88.36M | $1.12B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $9.11B | 34 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $9.11B.
Similar-sized banks
Centier Bank ($10.41B) · Stock Yards Bank & Trust Company ($10.36B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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