BlastPoint's Banking Scorecard
Amarillo National Bank
Mid-Market
Specialty: Commercial
TX
FDIC cert 14531
Amarillo, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
Amarillo National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 0.66% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.6B
-0.1% YoY
-4.1% QoQ
|
-$904.7M |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$7.0B
-3.4% YoY
+3.2% QoQ
|
-$128.9M |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$8.3B
-1.0% YoY
-4.5% QoQ
|
-$202.4M |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
1.78%
+3.9% YoY
-4.1% QoQ
|
+0.61% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.07%
-1.0% YoY
+1.1% QoQ
|
+0.68% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
45.93%
+10.6% YoY
-1.3% QoQ
|
-10.67% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
1.58%
+19.3% YoY
-12.4% QoQ
|
+0.90% |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
83.99%
-2.4% YoY
+8.2% QoQ
|
-1.48% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
17.44%
+9.2% YoY
+6.1% QoQ
|
-3.20% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
1.16%
-3.2% YoY
-7.5% QoQ
|
+0.66% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
12.61%
+10.3% YoY
-1.4% QoQ
|
-0.94% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.82%
+10.7% YoY
+41.3% QoQ
|
-0.13% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 10%
in Mid-Market
Why this stands out
Current:
1.16%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.16%
84
84th pctile
Efficiency Ratio
Current: 45.93% · Tier avg: 56.60%
81
81th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.40%
67
67th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.96%
65
65th pctile
Total Deposits
Current: $8.3B · Tier avg: $8.5B
65
65th pctile
Total Loans
Current: $7.0B · Tier avg: $7.1B
61
61th pctile
Total Assets
Current: $9.6B · Tier avg: $10.5B
59
59th pctile
Loan-to-Deposit Ratio
Current: 83.99% · Tier avg: 85.47%
42
42th pctile
Tier 1 Capital Ratio
Current: 12.61% · Tier avg: 13.55%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.44% · Tier avg: 20.64%
10
10th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.68%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.16% · Tier avg: 0.50%
Top Weaknesses
10
10th pctile
Nonperforming Asset Ratio
Current: 1.16% · Tier avg: 0.50%
10
10th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.68%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.44% · Tier avg: 20.64%
42
42th pctile
Tier 1 Capital Ratio
Current: 12.61% · Tier avg: 13.55%
59
59th pctile
Loan-to-Deposit Ratio
Current: 83.99% · Tier avg: 85.47%
61
61th pctile
Total Assets
Current: $9.6B · Tier avg: $10.5B
65
65th pctile
Total Loans
Current: $7.0B · Tier avg: $7.1B
65
65th pctile
Total Deposits
Current: $8.3B · Tier avg: $8.5B
67
67th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.96%
81
81th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.40%
84
84th pctile
Efficiency Ratio
Current: 45.93% · Tier avg: 56.60%
87
87th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.16%