| Metric | Amarillo National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +5.9% | -0.1 pts |
| Deposit growth (YoY) | +5.9% | +5.7% | +0.2 pts |
| Loan growth (YoY) | +3.9% | +6.9% | -3.1 pts |
| ROA | 1.76% | 1.23% | +0.5 pts |
| ROE | 16.1% | 11.2% | +4.8 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.38B | $9.11B | $7.07B | $1.12B | $88.4M | 1.76% | 3.95% | 1.07% |
| Q1 2026 | $10.23B | $8.95B | $6.97B | $1.10B | $42.9M | 1.74% | 3.98% | 0.92% |
| Q4 2025 | $9.55B | $8.34B | $7.00B | $1.08B | $172.7M | 1.78% | 4.07% | 1.16% |
| Q3 2025 | $9.96B | $8.73B | $6.78B | $1.05B | $135.6M | 1.85% | 4.03% | 1.25% |
| Q2 2025 | $9.82B | $8.60B | $6.81B | $1.04B | $88.5M | 1.82% | 4.04% | 1.44% |
| Q1 2025 | $9.74B | $8.51B | $6.99B | $1.01B | $44.7M | 1.85% | 4.09% | 1.25% |
| Q4 2024 | $9.56B | $8.42B | $7.25B | $979.5M | $159.4M | 1.71% | 4.12% | 1.20% |
| Q3 2024 | $9.43B | $8.31B | $7.19B | $957.8M | $121.4M | 1.75% | 4.08% | 1.04% |
Loan mix (Q2 2026): real estate $2.12B · commercial $2.73B · consumer $1.44B · securities $395.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Amarillo National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.23% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 11.3% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.6% | 54.9% | 27th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Amarillo National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Amarillo National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Amarillo National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Amarillo National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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