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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

2664 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 2 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 5.7% in tier
  • + Credit Quality Leader: Top 21.4% in tier
  • + Profitability Leader: Top 27.0% in tier
  • + Efficiency Ratio 1.55% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.43% below tier average
  • - Non-Interest-Bearing Deposit Share 21.44% below tier average
Get updates when AMG National Trust Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $792.5M
+8.2% YoY +6.9% QoQ
+$406.4M $386.1M
+0.5% YoY
$1.3B
+9.7% YoY
$6.2B
+9.1% YoY
Top 8.3% in tier
Total Loans ? $285.3M
+7.9% YoY +1.6% QoQ
+$29.6M $255.7M
+1.1% YoY
$851.2M
+6.5% YoY
$3.2B
+10.8% YoY
65%
Total Deposits ? $666.7M
+7.1% YoY +8.0% QoQ
+$338.7M $328.0M
+0.1% YoY
$1.1B
+5.2% YoY
$4.8B
+8.2% YoY
Top 8.9% in tier
Return on Assets ? 2.36%
+13.3% YoY +10.2% QoQ
+1.09% 1.27%
+12.9% YoY
0.93%
+11.9% YoY
1.23%
+13.4% YoY
Top 6.3% in tier
Net Interest Margin ? 2.50%
-0.1% YoY +1.6% QoQ
-1.43% 3.93%
+6.0% YoY
3.99%
+5.0% YoY
3.89%
+5.7% YoY
Bottom 3.2% in tier
Efficiency Ratio ? 63.74%
-6.3% YoY -3.2% QoQ
-1.55% 65.29%
-4.5% YoY
74.00%
-3.2% YoY
66.95%
-4.1% YoY
48%
Delinquency Rate ? 0.03%
-24.6% YoY -48.0% QoQ
-0.86% 0.89%
+18.8% YoY
0.67%
-8.3% YoY
0.95%
+18.8% YoY
82%
Loan-to-Deposit Ratio ? 42.80%
+0.8% YoY -5.9% QoQ
-33.84% 76.64%
+0.8% YoY
78.09%
+0.7% YoY
76.70%
+0.9% YoY
Top 5.3% in tier
Non-Interest-Bearing Deposit Share ? 0.58%
+11.0% YoY -34.8% QoQ
-21.44% 22.02%
-1.0% YoY
23.93%
-3.2% YoY
22.01%
-1.2% YoY
Bottom 0.9% in tier
Nonperforming Asset Ratio ? 0.01%
-24.8% YoY -50.6% QoQ
-0.63% 0.64%
+19.7% YoY
0.50%
-1.2% YoY
0.67%
+19.3% YoY
Top 14.5% in tier
Tier 1 Capital Ratio ? 21.69%
+21.5% YoY -1.4% QoQ
+5.86% 15.83%
+1.5% YoY
21.66%
+2.9% YoY
17.06%
+0.8% YoY
Top 10.4% in tier
Non-Interest Income / Assets ? 1.56%
+0.7% YoY -75.0% QoQ
+1.28% 0.28%
+9.3% YoY
0.26%
+10.8% YoY
0.32%
+4.1% YoY
Top 1.3% in tier

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
#39 of 666 • Top 5.7% 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: 1.56%
(Tier: 0.28%, National: 0.32%)
better than tier avg
Return on Assets: 2.36%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Credit Quality Leader

growth
#143 of 664 • Top 21.4% in tier

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

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank declining

Profitability Leader

growth
#181 of 666 • Top 27.0% in tier

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

Why this signature
Return on Assets: 2.36%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (8 metrics)

35
Non-Interest Income / Assets
revenue_mix
Value: 1.56%
Peer Median: 0.28%
#35 of 2664 Top 1.3% in $100M-$1B
143
Loan-to-Deposit Ratio
liquidity
Value: 42.80%
Peer Median: 76.64%
#143 of 2664 Top 5.3% in $100M-$1B
168
Return on Assets
profitability
Value: 2.36%
Peer Median: 1.27%
#168 of 2664 Top 6.3% in $100M-$1B
223
Total Assets
size
Value: $792.50M
Peer Median: $386.08M
#223 of 2664 Top 8.3% in $100M-$1B
238
Total Deposits
size
Value: $666.65M
Peer Median: $327.97M
#238 of 2664 Top 8.9% in $100M-$1B
279
Tier 1 Capital Ratio
capital
Value: 21.69%
Peer Median: 15.83%
#279 of 2664 Top 10.4% in $100M-$1B
388
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.64%
#388 of 2664 Top 14.5% in $100M-$1B
475
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.89%
#475 of 2654 Top 17.9% in $100M-$1B

Top Weaknesses (2 metrics)

2641
Non-Interest-Bearing Deposit Share
funding
Value: 0.58%
Peer Median: 22.02%
#2641 of 2664 Bottom 0.9% in $100M-$1B
2579
Net Interest Margin
profitability
Value: 2.50%
Peer Median: 3.93%
#2579 of 2664 Bottom 3.2% in $100M-$1B
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