BlastPoint's Banking Scorecard
Amarillo National Bank
Amarillo, TX
35 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 11 in TX.
- Deposits +5.9% year over year ($9.1B on the books).
- Delinquency rate 1.57%.
- Return on assets 1.76%.
- Efficiency ratio 48.60% vs a 53.67% peer average.
- Loan-to-deposit ratio 77.65% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Amarillo National Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.37% above tier average
- + Efficiency Ratio 5.07% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.55% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$10.4B
+5.8% YoY
+1.5% QoQ
|
-$33.2B |
$43.6B
-13.8% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 3.6% in tier |
| Total Loans ? |
$7.1B
+3.9% YoY
+1.6% QoQ
|
-$20.9B |
$28.0B
-8.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.2% in tier |
| Total Deposits ? |
$9.1B
+5.9% YoY
+1.8% QoQ
|
-$26.3B |
$35.4B
-14.0% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.9% in tier |
| Return on Assets ? |
1.76%
-3.6% YoY
+1.3% QoQ
|
+0.37% |
1.39%
+25.9% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
3.95%
-2.2% YoY
-0.9% QoQ
|
+0.03% |
3.92%
+8.9% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
71% |
| Efficiency Ratio ? |
48.60%
+7.0% YoY
-0.1% QoQ
|
-5.07% |
53.67%
-1.9% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
75% |
| Delinquency Rate ? |
1.57%
-23.2% YoY
+16.0% QoQ
|
+0.55% |
1.01%
-2.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.0% in tier |
| Loan-to-Deposit Ratio ? |
77.65%
-1.9% YoY
-0.2% QoQ
|
-4.96% |
82.61%
+3.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
17.14%
+7.9% YoY
+6.7% QoQ
|
-3.44% |
20.58%
+4.9% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
1.07%
-25.9% YoY
+16.1% QoQ
|
+0.34% |
0.73%
+5.8% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
13.03%
+2.5% YoY
+0.1% QoQ
|
-2.32% |
15.35%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.37%
+0.5% YoY
+107.4% QoQ
|
-0.13% |
0.50%
+10.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
55% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.1%
+1.3pp YoY +1.1pp QoQ |
-3.9pp | 21.0% | 29.2% | 22.2% | 27% |
| Brokered Deposits | n/a | n/a | 9.2% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
38.6%
-1.9pp YoY +0.7pp QoQ |
+21.4pp | 17.2% | 14.8% | 12.5% | 97% |
| CRE |
20.0%
+0.5pp YoY -0.6pp QoQ |
-22.0pp | 42.0% | 48.4% | 41.4% | 13% |
| 1-4 Family |
7.1%
+0.4pp YoY +0.1pp QoQ |
-16.0pp | 23.1% | 25.8% | 31.3% | 12% |
| Consumer |
20.4%
+0.3pp YoY +0.5pp QoQ |
+7.5pp | 12.9% | 4.7% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.0%
+0.3pp YoY 0.0pp QoQ |
-2.2pp | 15.3% | 22.7% | 19.7% | 55% |
| Leverage Ratio |
10.7%
+0.2pp YoY 0.0pp QoQ |
+0.3pp | 10.4% | 12.6% | 12.6% | 68% |
| Total Capital Ratio |
14.2%
+0.3pp YoY 0.0pp QoQ |
-2.3pp | 16.5% | 23.8% | 20.8% | 53% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
952
+7 (+0.7%) YoY +18 (+1.9%) QoQ |
-2,306 | 3,258 | 186 | 482 | 20% |
| Assets per Employee ($) |
$10.9M
+5.0% YoY -0.4% QoQ |
-$16.1M | $27.0M | $10.1M | $8.8M | 40% |
| Branch Count |
35
-1 (-2.8%) YoY 0 QoQ |
-103 | 137 | 12 | 18 | 32% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.4% | 0.3% | 0.4% | 74% |
| Nonaccrual |
1.4%
-0.6pp YoY +0.1pp QoQ |
+0.7pp | 0.7% | 1.0% | 1.0% | 93% |
| Allowance Coverage |
0.83x
+27.9% YoY -14.8% QoQ |
-1.98x | 2.81x | 18.82x | 20.23x | 13% |
| Net Charge-off Rate (YTD) |
0.8%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 0.4% | 0.1% | 0.2% | 87% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.1%
-1.5pp YoY +0.3pp QoQ |
+3.4pp | 12.6% | 13.2% | 11.6% | 81% |
| Cost of Funds (YTD) |
2.2%
-0.5pp YoY 0.0pp QoQ |
+0.2pp | 2.0% | 1.6% | 1.7% | 62% |
| Net Income ($, YTD) |
$88.4M
-0.1% YoY — QoQ |
-$208.5M | $296.8M | $15.9M | $40.4M | 25% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.