# AMG NATIONAL TRUST BANK
BOULDER, CO · FDIC certificate 57295 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $722.9M | |
| Deposits | $591.6M | |
| Loans and leases | $275.3M | |
| Total equity | $123.8M | |
| Loans / deposits | 46.06% (p5 of band) | 82.04% |
| Liquid assets / assets | 56.74% (p96 of band) | |
| Uninsured deposits / deposits | 48.73% (p95 of band) | 25.97% |
| Brokered deposits | 0.05% | |
| Wholesale funding | 0.05% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.37% (p91 of band) | 10.81% |
| Unrealized securities loss / equity | -24.00% (p18 of band) | -8.10% |
| AOCI / equity | -1.20% (p18 of band) | |
| ROA (annualized) | 2.42% (p94 of band) | 1.28% |
| Net interest margin | 2.57% (p4 of band) | 3.91% |
| Efficiency ratio | 62.65% (p54 of band) | |
| Noncurrent loans | 0.04% (p16 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 2598.11% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 21.17% (p26 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $555,000 (0% of equity) (p90 of band) | |
| Deposits YoY | -6.8% | |
| Employees | 148 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | uninsured deposits >50%, capital falling |  |
| 2011-12 | 1 |  | uninsured deposits >50%, capital falling |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 4 | deposits shrinking, assets shrinking |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 1 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | uninsured deposits leaving |  |
| 2015-03 | 1 |  | uninsured deposits leaving |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | deposits shrinking |  |
| 2015-12 | 1 |  | deposits shrinking |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | uninsured deposits >50% |  |
| 2018-06 | 1 |  | uninsured deposits >50% |
| 2018-09 | 2 | uninsured deposits >50% |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | uninsured deposits >50% |
| 2019-12 | 3 | uninsured deposits >50%, securities losses >30% of equity |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | uninsured deposits >50% |
| 2021-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-09 | 4 |  | assets shrinking |
| 2021-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2022-03 | 3 | capital falling |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | uninsured deposits >50%, capital falling |  |
| 2023-03 | 2 |  | uninsured deposits >50%, capital falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 5 | uninsured deposits >50% | uninsured deposits leaving |
| 2024-03 | 3 |  | deposits shrinking, assets shrinking |
| 2024-06 | 2 |  | uninsured deposits >50% |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | uninsured deposits >50% |  |
| 2025-03 | 3 | capital falling | NIM <2.5% |
| 2025-06 | 3 | NIM <2.5% | capital falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | uninsured deposits >50% |
| 2026-03 | 2 | uninsured deposits >50% | NIM <2.5% |
| 2026-06 | 1 | deposits shrinking | securities losses >30% of equity, uninsured deposits >50% |

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

- 2026-08-17 [AMG National Trust Bank Purchases Shares of 106,513 Kontoor Brands, Inc. $KTB - MarketBeat](https://news.google.com/rss/articles/CBMizwFBVV95cUxNeFBiczFKdHFzNUdpQTFTQU40QnNEQ1lBZHJTeElJYmN1WTNkMUhZUlZiaDBKVHJZUTR6a3I5NFQySjFPbzhGTVl0aVZQRWJCeXh5NWVCdHRnejdGUVJEcHkxekZ5blF1N3lxWmM1S0tPMjJMQ1FYczlUMnN1MFJULUZCWWZEX0tkSk9zT1l5SlU5V2tkMGMxRkpBMUVfWDlJYXVRQ0UweHczN2lSSG5WS3lJWFNTRi0wNzZpRDVOMTlzYmstM2VxQ3gzWlJweVk?oc=5) · MarketBeat
- 2026-08-17 [AMG National Trust Bank Takes Position in Ball Corporation $BALL - MarketBeat](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOdFY4Ri1nRlR1TEJDYWhIdTREbGEtaUhhTXhZM1N0SzdkcWVYVGxKRG5pQlNhUTNldHQwR21PNkZfWGk4d0lkTnJNNmY2MTAzdTdfbUpScHJySEZsU0VPSHFLeDdZZkpnNkVHc1k1YjZMX0RfX01LSlU3TlhQY1k4ZUxWRUJWYWVlVXJGTmd3MXBiR2JtN29IVjZDLTFvYzNNTXh3WUhMaTAzV0lsR0Q0eW5hdjQzVDVUd3Z2aEh5XzVqZw?oc=5) · MarketBeat
- 2026-08-22 [AMG National Trust Bank Takes $1.29 Million Position in Wells Fargo & Company $WFC - MarketBeat](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPRUdoMUhtWFJGVi1MYTRBa1doY0d2TktZRlY1MnRwbmlVTlVOakZQTEZzbFo0eko0bjFhTF92UUwxOUZGWTN1YW9MV1dma05QOWE3MmZXRGt3d1F3XzBTVnVzYkdtTVVydmVEdHpQQXVVNFdrZEhBSWY4Q0lCUk8xakp2amJjOVk5aHFyakxqdXoyaTBnX0dVdjh5azgzUGw0ajBsQWZmcjVCZFhjbWlETVd4TXg3aTh4YzN1QU9QZWt6VjVHLTBCQ2VMUjFGVnJ6UXB1YQ?oc=5) · MarketBeat
- 2025-09-18 [AMG Must Face $85M Fintech Collapse Suit, Customers Say - Law360](https://news.google.com/rss/articles/CBMimAFBVV95cUxQbEd0d3dtdFdnT2gzeGFKdmpRZTJrQUIybkxOTEkwSzVlTkFOcEdvdEFnang1VWxCdkhNRnkxOF9NMFg3czdUejFXMXVUdDBrN1dIMGYyRWgwSWpSOU1DMUwwSHVBQVVYc29URFY3SDlrM3prRElsUXpNU0FOc2pKTGtlaXdId0U5UlBreXFhVTB4dVVnUFBVZtIBVkFVX3lxTE01S1FkNWZMVjdtaVd4LV84ZlNNVFN6Z2dkSHFYVkZwZmFUMWoyT08zNnpLcmQwUl9jVU10UUJVSEhnbHFFVEZHS0poWUUwNjVLeE02N1Fn?oc=5) · Law360
- 2025-09-15 [Northern Colorado bankers worry about stablecoin legislation - KUNC](https://news.google.com/rss/articles/CBMingFBVV95cUxPU2QtalNKcHlTY2FRWUdvR1dCN0NlVXBBOU04RXdBbVJrUFRhakFnRmdUZE4wWlUtdXZ0QTFfSENMTXN0WUxKN183Wldfb3RKTUQ5ekp1XzdBQnhWMExrd1hXZmphckJ0bnk3ZlZBekNDaGlQY3FNOVNIbnpaWXhxUEpxbFJmaXJ1OFhOcGs3TTFndG1mYmI2aFBvX0hrQQ?oc=5) · KUNC
- 2026-08-26 [Merck & Co., Inc. $MRK Shares Sold by AMG National Trust Bank - MarketBeat](https://news.google.com/rss/articles/CBMitwFBVV95cUxNWFN5QVVsbl80dnRxRkRNQkJsWW1mcTl2OHV4RUREaER0eVZfWUZJdUVpMXRFTnlENVc2cElvX2VIRm1YSW1yekpHMlc4eDZXTmxxZWFBbTkyd2tlRmJLTmNzb19IZmRNazdqX2pSNGd5TTRWNUZTYkJUYkQ0ZlVuaVhmaDA1X1FkcFNMTUhXS0hqNHdWNFlpWHJpdERFN3BFVWFCVVBEcFZ6VFVUUmF2Z0RnbHlxWWM?oc=5) · MarketBeat
- 2022-03-17 [Junior Achievement Free Enterprise Center breaks ground in GV - villagerpublishing.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOaEk1Yjk0ZVQ4R0VoUFhSNS1NRV9PbzVHWU1EWE91bk9FaUE5cnVMQWFENkp4Tl9OdTYzRnl2d0dTLUtfbXptUEVOVVpsckNoaEtCZS1CLUFKcThxdkZXdjVIZmtvU1JMQkFYYmYyT1ZpZTNWREt4OW1xLWpGZWtlR05yd204bF8wZFVYTVlQYkZKQy1LbVZneA?oc=5) · villagerpublishing.com
- 2015-06-08 [Inside a new metro Denver bank fashioned to look like a French palace (Slideshow) - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxNVkc5ckZKLThDVzdxOTJRcnNyM2J5QnpUVEQ3SmhLaXlJWmd1UFU5VlU1anBtN2JvSkpfNW9QVW1TZGdXa0pZMWtjS3ZYWE9zdk9fQkVRcmdEWEtacnlGLXp4MWVtMS10NVQ1dVV5WU4yTjJsOWhORTFWaWcyS21MNmJKZm51bl9pTko1TG9DRVFXTTZad2MxM3loMVU5cEdsZ09PU21OUzFCa185UU5FNQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57295 (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/15.json (key "57295", 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