1.74%
−6.3%y/y
Peer standing86th percentile
FDIC
NETINC + ROAAB
Amarillo National Bank
Amarillo, TexasFDIC Cert #14531
OCCEstablished 189235 branches
Holding company: AMARILLO NATIONAL BCORP INCRegulator: OCC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
15.75%
−12.4%y/y
Peer standing83rd percentile
FDIC
NETINC + ROE1.76%
−4.0%y/y
Peer standing70th percentile
FDIC
PTAXNETINC + ASSET3.98%
−2.7%y/y
Peer standing81st percentile
FDIC
NIM + NIMY6.17%
−8.4%y/y
Peer standing88th percentile
FDIC
INTINCY2.76%
−19.0%y/y
Peer standing47th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
48.64%
+6.2%y/y
Peer standing75th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.24%
+3.6%y/y
Peer standing52nd percentile
FDIC
NONIX + ASSET16.12%
+2.6%y/y
Percentile by value48th percentileby value
FDIC
NONII + NIM+4.95%
+0.1%y/y
Percentile by value47th percentileby value
FDIC
ASSET+5.17%
+21.8%y/y
Percentile by value49th percentileby value
FDIC
DEP−0.38%
+81.3%y/y
Percentile by value8th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.74%86th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.78%Observations 154
ROE
FDIC
NETINC + ROE15.75%83rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.61%Median 10.41%90th 17.71%Observations 154
NIM
FDIC
NIM + NIMY3.98%81st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.82%Median 3.47%90th 4.57%Observations 160
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR48.64%75th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.04%Median 55.21%90th 70.91%Observations 154
Deposits YoY
FDIC
DEP+5.17%49th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.59%Median +5.37%90th +32.48%Observations 160
Loans YoY
FDIC
LNLSNET−0.38%8th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.55%Median +7.07%90th +38.62%Observations 159
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.33%17th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.75%90th 1.66%Observations 159
Leverage
FDIC
RBC1AAJ10.76%69th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.38%Median 9.94%90th 11.94%Observations 160
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.76%47th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.70%90th 3.93%Observations 154
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC52%22nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 172%90th 301%Observations 154
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.74%72nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.38%90th 2.31%Observations 352
ROE
FDIC
NETINC + ROE15.75%65th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.93%Median 12.94%90th 22.26%Observations 352
NIM
FDIC
NIM + NIMY3.98%49th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.88%Median 4.04%90th 5.04%Observations 352
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR48.64%83rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.54%Median 62.04%90th 86.78%Observations 352
Deposits YoY
FDIC
DEP+5.17%51st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.62%Median +5.10%90th +21.38%Observations 349
Loans YoY
FDIC
LNLSNET−0.38%27th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.14%Median +4.54%90th +21.86%Observations 348
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.33%22nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.35%90th 2.30%Observations 348
Leverage
FDIC
RBC1AAJ10.76%38th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.37%Median 11.38%90th 15.81%Observations 352
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.76%30th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.45%Median 2.40%90th 3.46%Observations 349
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC52%20th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 166%90th 296%Observations 204
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.74%80th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.06%Median 1.29%90th 1.77%Observations 11
ROE
FDIC
NETINC + ROE15.75%70th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.75%Median 15.35%90th 20.23%Observations 11
NIM
FDIC
NIM + NIMY3.98%90th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.25%Median 3.35%90th 3.98%Observations 11
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR48.64%60th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 17.98%Median 48.78%90th 62.77%Observations 11
Deposits YoY
FDIC
DEP+5.17%50th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.32%Median +5.17%90th +10.83%Observations 11
Loans YoY
FDIC
LNLSNET−0.38%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +3.27%Median +6.67%90th +34.02%Observations 10
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.33%0th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.68%90th 1.24%Observations 10
Leverage
FDIC
RBC1AAJ10.76%50th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.29%Median 10.76%90th 11.37%Observations 11
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.76%20th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.31%Median 2.16%90th 3.00%Observations 11
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC52%30th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 108%90th 231%Observations 11
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.