Amarillo National Bank is a national bank headquartered in Amarillo, Texas, in business for about 134 years. At the end of Q2 2026 it reported $10.4B in total assets and $9.1B in deposits, with 35 offices.
Based on its Q2 2026 filing, Amarillo National Bank scores 62/100, which we describe as moderate. That is higher than only 35% of 132 banks with $10 billion – $100 billion. Among 349 banks headquartered in Texas, it ranks 280th. Its strongest component is earnings (90/100; 1.76%), and its lowest is funding & liquidity (45/100; 78% loans-to-deposits, 49% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (58 → 62), mostly because the loan quality component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 63 |
| Q4 2024 | 61 |
| Q1 2025 | 61 |
| Q2 2025 | 58 |
| Q3 2025 | 60 |
| Q4 2025 | 61 |
| Q1 2026 | 64 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.74% |
| Q3 2024 | 9.99% |
| Q4 2024 | 10.09% |
| Q1 2025 | 10.30% |
| Q2 2025 | 10.51% |
| Q3 2025 | 10.42% |
| Q4 2025 | 10.60% |
| Q1 2026 | 10.76% |
| Q2 2026 | 10.75% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.21% |
| Q3 2024 | 1.03% |
| Q4 2024 | 1.31% |
| Q1 2025 | 1.49% |
| Q2 2025 | 2.01% |
| Q3 2025 | 1.78% |
| Q4 2025 | 1.56% |
| Q1 2026 | 1.33% |
| Q2 2026 | 1.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.49% |
| Q3 2024 | 1.75% |
| Q4 2024 | 1.71% |
| Q1 2025 | 1.85% |
| Q2 2025 | 1.82% |
| Q3 2025 | 1.85% |
| Q4 2025 | 1.78% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.76% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $10.4B | 10.75% | 1.54% | 1.76% | 77.6% |
| Q1 2026 | 64 | $10.2B | 10.76% | 1.33% | 1.74% | 77.8% |
| Q4 2025 | 61 | $9.6B | 10.60% | 1.56% | 1.78% | 84.0% |
| Q3 2025 | 60 | $10.0B | 10.42% | 1.78% | 1.85% | 77.7% |
| Q2 2025 | 58 | $9.8B | 10.51% | 2.01% | 1.82% | 79.2% |
| Q1 2025 | 61 | $9.7B | 10.30% | 1.49% | 1.85% | 82.1% |
| Q4 2024 | 61 | $9.6B | 10.09% | 1.31% | 1.71% | 86.1% |
| Q3 2024 | 63 | $9.4B | 9.99% | 1.03% | 1.75% | 86.5% |
| Q2 2024 | 58 | $9.2B | 9.74% | 1.21% | 1.49% | 89.1% |
132 peers · $10 billion – $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Charles Schwab Trust BankBank Westlake, TX | 88 out of 100, Very strong | $10.5B | 10.9% | 0.00% | vs |
| International Bank of CommerceBank Laredo, TX | 69 out of 100, Moderate | $10.2B | 19.0% | 2.21% | vs |
| PlainsCapital BankBank University Park, TX | 57 out of 100, Moderate | $12.7B | 9.7% | 1.03% | vs |
| NexBankBank Dallas, TX | 56 out of 100, Moderate | $14.2B | 9.1% | 1.47% | vs |
| First Financial BankBank Abilene, TX | 76 out of 100, Strong | $15.2B | 11.6% | 0.77% | vs |
| Sunflower Bank, National AssociationBank Dallas, TX | 51 out of 100, Below average | $15.7B | 10.3% | 1.63% | vs |
Deposit insurance
Is my money safe at Amarillo National Bank?
Yes. Amarillo National Bank is an FDIC-insured institution (FDIC certificate #14531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 48.6% of deposits ($4.4B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.18% (benchmark: 10%).
35 locations
Branches
Amarillo National Bank lists 31 offices in 9 cities. Most locations:
- Amarillo, TX (13)
- Lubbock, TX (10)
- College Station, TX (2)
- Austin, TX (1)
- Borger, TX (1)
- Bryan, TX (1)
- Canyon, TX (1)
- Fort Worth, TX (1)
- San Antonio, TX (1)
HMDA 2025
Mortgage lending
In 2025, Amarillo National Bank reported 2,698 home-loan applications under HMDA (LEI 549300ASIS4D2QDWH380): 1,841 originated ($419,455,000 total), 389 denied, and 93 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Amarillo National Bank
- Type
- National bank
- FDIC certificate #
- 14531
- RSSD ID
- 353555
- Primary regulator
- OCC
- Holding company
- Amarillo National Bcorp Inc
- Established
- January 1, 1892
- Headquarters
- 410 S Taylor St, Amarillo, TX 79101
- Website
- www.anb.com
- Employees
- 952
Quick answers
Amarillo National Bank: common questions
Is Amarillo National Bank FDIC insured?
Yes. Amarillo National Bank is an FDIC-insured institution (FDIC certificate #14531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Amarillo National Bank's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Amarillo National Bank ever failed?
There is no failure record for FDIC certificate #14531 in the FDIC failed bank list.
How many branches does Amarillo National Bank have?
35 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Amarillo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank19Bank Memphis, TX | 90 out of 100, Very strong | $147.8M | 15.3% | 0.00% | vs |
| First National Bank of HerefordBank Hereford, TX | 84 out of 100, Strong | $344.6M | 12.3% | 0.05% | vs |
| Citizens BankBank Amarillo, TX | 82 out of 100, Strong | $309.8M | 10.1% | 0.01% | vs |
| BOC BankBank Mclean, TX | 81 out of 100, Strong | $203.4M | 12.4% | 0.00% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Texas Plains Federal Credit UnionCredit union Amarillo, TX | 77 out of 100, Strong | $71.2M | 14.3% | 0.78% | vs |