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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Amarillo National Bank

Amarillo, Texas · $10.38B in assets · beside the 11 other Texas banks over $10B

The filing

7.9%
CRE / loans
2nd of 11
1.74%
ROA
3rd of 12
47.8%
CRE / capital
3rd of 12

Amarillo National Bank is the eleventh largest of the 12 Texas banks nearest its size over $10B, with $10.38B in assets at 30 June 2026. Loans are 78.7% of deposits, 6th of 12 against a median of 81.6%, and equity is 10.8% of assets, 6th of 12. Loans grew +3.8% in the year, 7th of 11, and deposits grew 5.9%; the cohort's median loan growth is +4.3%.

Noncurrent loans are 1.54% of the book, 9th of 11 against a median of 0.77%; 0.86% is 30 to 89 days past due, and the allowance covers them 0.8 times. Net charge-offs are 0.75% of loans, 10th of 11. Commercial real estate is 7.9% of loans, 2nd of 11 against a median of 27.7%, and 48% of capital, below the 300% screen, with construction at 25% against the 100% screen.

Return on assets is 1.74%, 3rd of 12 against a median of 1.33%, on an efficiency ratio of 49.2%, 5th of 12. Five years ago it was 1.67%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansTX banks over $10B · 30 June 2026 · lower is stronger, listed first
median 27.7% CS Charles Schwab Premier Bank SS 0.0% AN Amarillo National Bank 7.9% N Nexbank 15.8% TC Texas Capital Bank 16.1% FF First Financial Bank 24.2% FB Frost Bank 27.7% PB Prosperity Bank 31.1% PB Plainscapital Bank 34.9% SB Sunflower Bank National Association 35.3% SB Stellar Bank 39.1% IB International Bank of Com 60.9%
Loans, year over yearTX banks over $10B · 30 June 2026 · no better direction, largest first
median +4.3% SB Sunflower Bank National Association +77.5% PB Prosperity Bank +12.8% IB International Bank of Com +10.3% FB Frost Bank +8.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% AN Amarillo National Bank +3.8% FF First Financial Bank +3.2% SB Stellar Bank +3.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

Amarillo National Bank is the 120th largest 7(a) lender into Texas of 706, with $68M across 129 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 28 of its 28 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Travis, TX$21M28th of 2390.8%quiet FY2019
Lubbock, TX$19M4th of 974.9%quiet FY2019
Bexar, TX$7M64th of 2370.3%quiet FY2019
Williamson, TX$3M86th of 1810.2%quiet FY2015
Collin, TX$2M157th of 2610.1%quiet FY2019
Randall, TX$2M11th of 532.1%quiet FY2016
Eastland, TX$2M11th of 223.6%quiet FY2012
Hays, TX$2M63rd of 1230.4%quiet FY2013
Brazoria, TX$1M70th of 1290.3%quiet FY2016
Brazos, TX$1M48th of 920.6%quiet FY2018
Tom Green, TX$1M27th of 540.9%quiet FY2015
Tarrant, TX$937K214th of 2810.0%quiet FY2015
Fort Bend, TX$858K127th of 1800.1%quiet FY2016
15 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services38$19M27.2%0.02%399th of 2,596
Health care & social assistance21$12M17.1%0.02%353rd of 2,172
Manufacturing10$10M15.1%0.03%455th of 2,246
Administrative & waste services6$5M7.2%0.03%338th of 1,763
Arts, entertainment & recreation3$4M6.3%0.03%373rd of 1,656
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Amarillo National Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans AN Amarillo National Bank 0.2% $68M · 129 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Amarillo National BankRankCohort median
Total CRE against capital, the 300% screen48%3rd of 12120%
Construction against capital, the 100% screen25%6th of 1239%
Construction and land development, share of loans4.2%5th of 1110.6%
Non-owner-occupied nonfarm nonresidential, share of loans3.6%2nd of 1110.2%
Total CRE, the guidance definition, share of loans7.9%2nd of 1127.7%
CRE growth over 36 months, the third prong-23.0%2nd of 10+6.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Frost Bank$53.95B1.3%62.5%0.55%0.13%1.2%52.6%8.6%
Prosperity Bank$43.88B1.4%51.1%0.48%0.35%1.5%76.0%18.5%
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Charles Schwab Trust Bank$10.51B2.0%25.4%no recordno recordno record0.0%7.7%
Stellar Bank$10.40B-0.6%96.3%0.69%0.14%1.1%86.0%15.2%
Amarillo National Bank$10.38B1.7%49.2%1.54%0.75%1.3%78.7%10.8%
International Bank of Com$10.19B2.7%36.5%2.21%0.03%1.6%109.0%20.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Amarillo National BankCohort median
20212026Change20212026Change
Loans$5.16B$7.17B+39%$5.53B$8.82B+59%
Deposits$6.58B$9.11B+39%$10.30B$12.17B+18%
NPA / loans0.41%1.54%+1.14 pts0.54%0.77%+0.23 pts
Efficiency54.3%49.2%-5.1 pts52.6%51.0%-1.6 pts
ROA1.67%1.74%+0.07 pts1.26%1.33%+0.06 pts

This read was prepared for Amarillo National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Amarillo National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks over $10B
Institution www.anb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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