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AMG National Trust Bank

$100M-$1B Specialty: Commercial CO FDIC cert 57295

Boulder, CO

8 branches across CO · IL · NC · NJ · SC · VA · WY

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
  • Deposits -6.8% year over year ($591.6M on the books).
  • Delinquency rate 0.04%.
  • Return on assets 2.42%.
  • Efficiency ratio 62.65% vs a 64.48% peer average.
  • Loan-to-deposit ratio 46.06% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO
View $100M-$1B leaderboard (CO) →

AMG National Trust Bank has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 5.1% in tier
  • + Credit Quality Leader: Top 16.2% in tier
  • + Profitability Leader: Top 25.6% in tier
  • + Efficiency Ratio 1.83% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 20.6% in tier
  • - Net Interest Margin 1.41% below tier average
  • - Non-Interest-Bearing Deposit Share 21.59% below tier average
Get updates when AMG National Trust Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $722.9M
-3.7% YoY -8.8% QoQ
+$336.3M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
Top 11.5% in tier
Total Loans ? $272.5M
-0.7% YoY -4.5% QoQ
+$14.2M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
62%
Total Deposits ? $591.6M
-6.8% YoY -11.3% QoQ
+$264.8M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
Top 12.8% in tier
Return on Assets ? 2.42%
+10.3% YoY +2.8% QoQ
+1.10% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
Top 5.7% in tier
Net Interest Margin ? 2.57%
+4.1% YoY +2.9% QoQ
-1.41% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
Bottom 3.4% in tier
Efficiency Ratio ? 62.65%
-5.1% YoY -1.7% QoQ
-1.83% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
49%
Delinquency Rate ? 0.04%
-12.5% YoY +20.6% QoQ
-0.88% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
81%
Loan-to-Deposit Ratio ? 46.06%
+6.6% YoY +7.6% QoQ
-31.89% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
Top 6.5% in tier
Non-Interest-Bearing Deposit Share ? 0.45%
+40.0% YoY -22.6% QoQ
-21.59% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
Bottom 1.0% in tier
Nonperforming Asset Ratio ? 0.01%
-9.8% YoY +26.3% QoQ
-0.65% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
Top 14.8% in tier
Tier 1 Capital Ratio ? 24.32%
+20.9% YoY +12.1% QoQ
+8.41% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
Top 7.5% in tier
Non-Interest Income / Assets ? 3.40%
+12.2% YoY +117.9% QoQ
+2.84% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
Top 1.1% in tier

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 (CO) National Avg Tier Percentile
Noninterest-Bearing 0.4%
+0.1pp YoY
-0.1pp QoQ
 -21.7pp 22.1% 23.5% 22.2% 0%
Brokered Deposits 0.1%
0.0pp YoY
0.0pp QoQ
 -7.8pp 7.9% 7.4% 8.5% 6%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 1.0%
-2.5pp YoY
-1.0pp QoQ
 -10.6pp 11.6% 8.4% 12.5% 3%
CRE 70.8%
+5.5pp YoY
+0.4pp QoQ
 +31.3pp 39.5% 42.8% 41.4% 94%
1-4 Family 10.5%
-0.2pp YoY
+0.6pp QoQ
 -22.1pp 32.6% 33.0% 31.3% 12%
Consumer 13.7%
-2.4pp YoY
-0.3pp QoQ
 +9.6pp 4.1% 3.9% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
CET1 Ratio 24.3%
+4.2pp YoY
+2.6pp QoQ
 +5.5pp 18.8% 24.9% 19.7% 88%
Leverage Ratio 15.4%
+2.1pp YoY
+0.7pp QoQ
 +3.2pp 12.2% 12.5% 12.6% 88%
Total Capital Ratio 24.9%
+4.2pp YoY
+2.7pp QoQ
 +5.0pp 19.9% 26.1% 20.8% 87%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Full-Time Employees 148
+4 (+2.8%) YoY
+1 (+0.7%) QoQ
 +89 58 107 482 97%
Assets per Employee ($) $4.9M
-6.3% YoY
-9.4% QoQ
 -$2.6M $7.5M $7.8M $8.8M 13%
Branch Count 8
0 YoY
0 QoQ
 +3 4 7 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.7% 0.4% 35%
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage 25.98x
+11.2% YoY
-13.0% QoQ
 +1.83x 24.15x 12.16x 20.23x 90%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 15.2%
-0.4pp YoY
-0.2pp QoQ
 +3.0pp 12.2% 9.7% 11.6% 69%
Cost of Funds (YTD) 2.4%
-0.4pp YoY
+0.1pp QoQ
 +0.7pp 1.7% 1.7% 1.7% 87%
Net Income ($, YTD) $9.1M
+12.8% YoY
— QoQ
 +$6.6M $2.6M $5.4M $40.4M 98%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Revenue Diversifier

growth
#35 of 661 • Top 5.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 3.40%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.42%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Leader

growth
#108 of 659 • Top 16.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.04%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#170 of 661 • Top 25.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.42%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Deposit Outflow

decline
#111 of 535 • Bottom 20.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (8 metrics)

30
Non-Interest Income / Assets
revenue_mix
Value: 3.40%
Peer Median: 0.57%
#30 of 2643 Top 1.1% in $100M-$1B
151
Return on Assets
profitability
Value: 2.42%
Peer Median: 1.32%
#151 of 2643 Top 5.7% in $100M-$1B
173
Loan-to-Deposit Ratio
liquidity
Value: 46.06%
Peer Median: 77.95%
#173 of 2643 Top 6.5% in $100M-$1B
200
Tier 1 Capital Ratio
capital
Value: 24.32%
Peer Median: 15.91%
#200 of 2643 Top 7.5% in $100M-$1B
305
Total Assets
size
Value: $722.87M
Peer Median: $386.57M
#305 of 2643 Top 11.5% in $100M-$1B
339
Total Deposits
size
Value: $591.57M
Peer Median: $326.73M
#339 of 2643 Top 12.8% in $100M-$1B
391
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#391 of 2643 Top 14.8% in $100M-$1B
499
Delinquency Rate
credit_quality
Value: 0.04%
Peer Median: 0.92%
#499 of 2633 Top 18.9% in $100M-$1B

Top Weaknesses (2 metrics)

2617
Non-Interest-Bearing Deposit Share
funding
Value: 0.45%
Peer Median: 22.03%
#2617 of 2643 Bottom 1.0% in $100M-$1B
2553
Net Interest Margin
profitability
Value: 2.57%
Peer Median: 3.99%
#2553 of 2643 Bottom 3.4% in $100M-$1B
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