Amarillo National Bank
Amarillo, Texas, Potter County
$10.4B in total assets, the 161st largest of 4,309 US banks and 12th of 352 headquartered in Texas.
- FDIC certificate
- 14531
- Established
- 1892
- Owned by
- Amarillo National Bcorp Inc
- Primary regulator
- OCC
- Website
- www.anb.com
At a glance
Compared with 11 banks headquartered in Texas with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $10.4B | 9% | $15.2B | |
| Loans | $7.2B | 18% | $9.3B | |
| Deposits | $9.1B | 18% | $13.3B | |
| Return on assets | 1.73% | 82% | 1.32% | |
| Net interest margin | 3.95% | 73% | 3.52% | |
| Efficiency ratio | 48.6% | 36% | 50.8% | |
| Equity to assets | 10.79% | 54% | 10.75% | |
| Loans to deposits | 79% | 46% | 85% |
Growth
Total assets grew 6.7% a year over the last 5 years and 10.8% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2019 | Lubbock National Bank Lubbock, TX | $1.1B |
| Jun 1993 | BancCentral Amarillo, TX | $35M |
| Aug 1991 | Citizens Security Bank, F.A. Borger, TX | $23M |
| Jun 1991 | First Federal Savings Association Borger, TX | $46M |
| Dec 1986 | Panhandle Bank & Trust Company Borger, TX | $112M |
Where they operate
34 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Potter County, TX | $5.7B | 72.1% | 1 of 12 |
| Randall County, TX | $1.5B | 42.9% | 1 of 14 |
| Lubbock County, TX | $1.1B | 8.6% | 4 of 28 |
| Brazos County, TX | $282M | 3.6% | 8 of 24 |
| Hutchinson County, TX | $176M | 67.5% | 1 of 3 |
| Tarrant County, TX | $108M | 0.2% | 49 of 74 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 15 branches since 2016 (19 to 34, +78.9%). 11 opened, 12 acquired, 8 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 19 | |||
| 2016 | Opened Amarillo | 1 | 0 | +1 | 20 |
| 2017 | Opened Lubbock | 1 | 0 | +1 | 21 |
| 2019 | Acquired Lubbock National BankClosed Lubbock | 12 | 1 | +11 | 32 |
| 2020 | Opened Amarillo and LubbockClosed Amarillo | 2 | 1 | +1 | 33 |
| 2021 | Opened Fort Worth | 1 | 0 | +1 | 34 |
| 2022 | Opened San AntonioClosed Amarillo and Lubbock | 1 | 2 | −1 | 33 |
| 2023 | Opened LubbockClosed College Station | 1 | 1 | 0 | 33 |
| 2024 | Opened Amarillo and LubbockClosed Amarillo | 2 | 1 | +1 | 34 |
| 2025 | Opened Amarillo | 1 | 0 | +1 | 35 |
| 2026 through Q2 | Opened AmarilloClosed Amarillo | 1 | 2 | −1 | 34 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 38% | 16% | |
| Consumer | 20% | 2% | |
| Commercial real estate | 15% | 23% | |
| Agricultural | 10% | 0% | |
| 1-4 family residential | 7% | 22% | |
| Construction and land | 4% | 9% | |
| Farmland | 3% | 1% | |
| Multifamily | 0% | 7% | |
| Other | 2% | 21% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 61% | 64% | |
| Time deposits | 22% | 10% | |
| Noninterest-bearing | 17% | 26% |
Brokered deposits are 0.0% of deposits (peers 2.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.54% | 0.70% |
| Net charge-offs, annualized | 0.75% | 0.14% |
| Reserves to loans | 1.28% | 1.17% |
| Leverage ratio | 10.75% | 10.64% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Potter County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/amarillo