# AMARILLO NATIONAL BANK
AMARILLO, TX · FDIC certificate 14531 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $10.38B | |
| Deposits | $9.11B | |
| Loans and leases | $7.17B | |
| Total equity | $1.12B | |
| Loans / deposits | 77.65% (p29 of band) | 85.78% |
| Liquid assets / assets | 28.75% (p73 of band) | |
| Uninsured deposits / deposits | 48.63% (p80 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.74% (p10 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.75% (p68 of band) | 10.17% |
| Unrealized securities loss / equity | -1.27% (p87 of band) | -7.43% |
| AOCI / equity | -0.13% (p63 of band) | |
| ROA (annualized) | 1.76% (p83 of band) | 1.24% |
| Net interest margin | 3.95% (p73 of band) | 3.57% |
| Efficiency ratio | 48.60% (p30 of band) | |
| Noncurrent loans | 1.54% (p87 of band) | 0.66% |
| Net charge-offs (annualized) | 0.53% (p91 of band) | |
| Reserve coverage of noncurrent | 83.07% | |
| Real estate % of loans | 30% | |
| Construction % of loans | 26.95% (p47 of band) | |
| Auto loans | $850.9M (11.87% of loans; DQ 1.57%, NCO 0.11%) | |
| Loans to nondepository financials | $124.2M (11% of equity) (p60 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 952 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | charge-offs p90 |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 0 |  | charge-offs p90, capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2020-03 | 1 | charge-offs p90 | uninsured deposits >50%, run vulnerability |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | uninsured deposits >50% |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | charge-offs p90 | uninsured deposits >50% |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | reserve under noncurrent |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | noncurrent p90 |  |
| 2025-09 | 2 |  | noncurrent p90 |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-27 [TTUHSC Receives $1 Million Gift from Amarillo National Bank to Expand and Enhance Pediatric Care in the Panhandle - Texas Tech University Health Sciences Center](https://news.google.com/rss/articles/CBMiugFBVV95cUxONFBSdk05MWwwZVBoSm15bDFqbTFLOEZ1YjU4Qi1OdWhReVlGMnZlVjFUNk1oc2RRaXlVaV9yU0llZkZ1OHhZc2xwRHRXZW5UR2lQTnc4a1h6YjJVTGZnNXJ0TlJmc0hNYVBITDRRMXVHQ3RuYUlmS0RjUHVtOHhHb21xVVNsdHhVUmtscVhtTlkzcDNpYUJOVUFBekxtWFo2aXF6WmRJZjFQZVU1NU5SOFZad3JlRHljUWc?oc=5) · Texas Tech University Health Sciences Center
- 2026-07-20 [Amarillo National Bank celebrating new branch with donations to 4 nonprofits - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.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?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2026-03-18 [Did You Know Texas is Home to the Largest Family-Owned Bank in the United States? - Fort Worth Inc.](https://news.google.com/rss/articles/CBMinAFBVV95cUxPLUZyYi1YNlBELThHMTBfZERnNVUxZEdqbGJ2ZHZiYUZ1WmQxQ2RJZ2lic2FPY2VQaGNPTXFUYmdiVVhiMzdPZy1kZHR6WE9MOWxPYVNud2RBTUxoUnJobndnTmFRaUhMWEpWcjhEMGRySWRKYmg4STBMUWZsd2RTX2NpazFoZjI4M0Fuc1JocENBWmNSNThiQ0FQaFM?oc=5) · Fort Worth Inc.
- 2026-02-06 [WT Announces First Cohort of Amarillo National Bank Scholars - West Texas A&M University | WTAMU](https://news.google.com/rss/articles/CBMiogFBVV95cUxOSFlMRjljYWJfdVpXZXcyeU9kcGhobTE2VmZkVFdOS3VETjNjM1B1c0JnRnBxUkMwLWdNMjF5aG01NkQ1SXFmRXhnX0ZRQVdIekdfX1AwV1NZMV9KdzRYXzJMbmxISmg4Zkd4cU9QcjI4MjE4VEdhcnpfVFdUR1JWRDcyNjA3YW8zdm4xSUxKTk1Tb2xUNThtUUdfcmlrRjlmaVE?oc=5) · West Texas A&M University | WTAMU
- 2026-07-22 [Amarillo National Bank donates $40,000 to local nonprofits at branch opening - KVII](https://news.google.com/rss/articles/CBMi-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?oc=5) · KVII
- 2026-07-21 [Amarillo National Bank opens new Greenways Branch - MyHighPlains.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQbnQ4YXJRa1ZJRlFBN2NiYURIb0pKQTlNeGhYdFk5UlcwODV0dXFCMXN6NklBQXNJUFYySHBrMjIwS1dmalYtZjAwNkppUUswZ01JVXI0aDk1X2kxX0hwZE1WRENNTWNfVjNIOUZSSFZYSlpyY3Q2Tm5BNVNiaVJITEdQaGNiQklSNkc3MG9YbkpscmJGbmJTNUNOMNIBoAFBVV95cUxOek44MEctWElpaFJKWXg4U2RBMjhzRGNPVV93TGpjTk1GVTZRVUxLWG5mS0duOHpXN1J5MWNpMzN0WmRycUtjSlF3TzcwTnhqSXc0VUV3emlmRl9pZFI2ZlowYnYtLXJIN0llRlpXQ3V1dzMydS1CeW5NTTJTLXA1T1ZiV0tqYzlNQU9iQzFlclZUUVI0bVZTWFVqcU1EYkRW?oc=5) · MyHighPlains.com
- 2026-06-10 [OccuNet Classic presented by Amarillo National Bank: Pre-tournament notes, storylines, more - PGA Tour](https://news.google.com/rss/articles/CBMiwgJBVV95cUxQRGtrUjZQbFprU2tzdU5Vbld1SkthVjQ3NURVOEFaZGM5c1F0V3dKQjA5TndoMTFURGRBSkdwQzZLN1o5Uk5Oa2MxQnRYaWhpZTFUaWgtRW5oTldzYVdONkFhWkNsZ3ZlWXZ3SkpkRG9ud25qbDlnSHNKWFJoUmtLRFB2RGdfV3FkemZVdl9qZDF5YllzRGpuTXUtSHQ5RHR3M2lUSFk1bnhFMFJRTkc1OHRYVzc3LVN0ekF3R2UxUHA2S3JlVWF4TjZjc3dpbzl3ci13aWFYaUYybmdwenRPZVppVHFXcVh3dVRNT21uR2ZwdlFEOEZmUnplZEhBQkozZGRac0ZMMnNkVkhRWFJPVVlVR0k4OVBHa21RVHNqX0VoZmVVUEZYaHBRd3ZIaU9zc1ZyLU9PNlY4Uk90M3BYUVNB?oc=5) · PGA Tour
- 2026-06-15 [OccuNet Classic presented by Amarillo National Bank proves fruition of enthusiasm for golf in Amarillo - Press Pass Sports](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOM3QwSHFBMmxpcWxsTXJTazZrN0t0TWltZ0wya3dFcV9zZjhTRnhIZVFRaHU4Z3I2UnFfN0tJeDh5NGp4NC1ndFJnZENrOGZQRTRta1BwRUxaQjRlS1p3NFFOOWtuaHBWUXNEeEk0T2h5V1Y2QkF6b3hVMGdod09PQmxBMnNhLUtxQTI2QkVJbEY2Rl9MeEx1Zk8zX1VNbVRKbUNubzg5RGxhZnlzd3hmeXlzTUx4Yi12THEzczdOOFFjQTAzZXdwUGNiUlpjejFJMzB0TjFpM0g?oc=5) · Press Pass Sports

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14531 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "14531", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide