BlastPoint's Banking Scorecard
Amarillo National Bank
Amarillo, TX
35 branches across TX
Amarillo National Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.46% above tier average
- + Net Interest Margin 0.21% above tier average
- + Efficiency Ratio 5.36% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 60.0% in tier
- - Delinquency Rate 0.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$10.2B
+4.9% YoY
+7.1% QoQ
|
-$36.7B |
$47.0B
-1.9% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.2% in tier |
| Total Loans ? |
$7.0B
-0.4% YoY
-0.5% QoQ
|
-$22.4B |
$29.4B
-0.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.8% in tier |
| Total Deposits ? |
$9.0B
+5.2% YoY
+7.4% QoQ
|
-$29.5B |
$38.4B
-1.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.8% in tier |
| Return on Assets ? |
1.74%
-6.3% YoY
-2.2% QoQ
|
+0.46% |
1.28%
+18.7% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
85% |
| Net Interest Margin ? |
3.98%
-2.7% YoY
-2.3% QoQ
|
+0.21% |
3.77%
+5.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
48.64%
+6.2% YoY
+5.9% QoQ
|
-5.36% |
54.01%
-3.7% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
73% |
| Delinquency Rate ? |
1.35%
-10.9% YoY
-14.8% QoQ
|
+0.33% |
1.02%
-3.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
77.80%
-5.3% YoY
-7.4% QoQ
|
-2.99% |
80.79%
+1.9% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
16.07%
+1.5% YoY
-7.8% QoQ
|
-3.97% |
20.04%
+0.2% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.92%
-26.3% YoY
-20.9% QoQ
|
+0.20% |
0.72%
+4.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
13.02%
+7.6% YoY
+3.2% QoQ
|
-2.50% |
15.51%
-0.4% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.18%
-1.8% YoY
-78.5% QoQ
|
-0.05% |
0.22%
+0.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
55% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.