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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Colorado, the state note

Amg National Trust Bank

Boulder, Colorado · $723M in assets · beside the 11 other Colorado banks between $300M and $1B

The filing

46.5%
Loans / deposits
1st of 12
17.1%
Equity / assets
1st of 12
63.3%
CRE / loans
12th of 12

Amg National Trust Bank is the fourth largest of the 12 Colorado banks nearest its size between $300M and $1B, with $723M in assets at 30 June 2026. Loans are 46.5% of deposits, the lowest in the cohort against a median of 83.4%, and equity is 17.1% of assets, the highest in the cohort. Loans grew -0.7% in the year, 10th of 12, and deposits fell 6.8%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.04% of the book, 3rd of 12 against a median of 0.07%; 0.07% is 30 to 89 days past due, and the allowance covers them 26.0 times. Commercial real estate is 63.3% of loans, the highest in the cohort against a median of 25.9%, and 149% of capital, below the 300% screen, with construction at 22% against the 100% screen. CRE has grown +65.8% over 36 months, past the guidance's 50% prong.

Return on assets is 2.42%, the highest in the cohort against a median of 1.69%, on an efficiency ratio of 63.5%, 7th of 12. Five years ago it was 2.77%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansCO banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 25.9% SB Stockmens Bank 12.5% FN First National Bank Colorado 17.8% MV Mountain Valley Bank 20.4% TB Timberline Bank 23.6% HP High Plains Bank 24.5% HC High Country Bank 24.9% PW Points West Community Bank 27.0% EC Eastern Colorado Bank 34.0% FS First Southwest Bank 36.8% YV Yampa Valley Bank 40.9% PT PB & Trust Bank 48.5% AN Amg National Trust Bank 63.3%
Loans, year over yearCO banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.3% HP High Plains Bank +27.3% SB Stockmens Bank +23.0% PT PB & Trust Bank +18.9% FN First National Bank Colorado +14.7% FS First Southwest Bank +8.7% TB Timberline Bank +6.4% YV Yampa Valley Bank +4.3% HC High Country Bank +3.5% MV Mountain Valley Bank +1.6% AN Amg National Trust Bank -0.7% PW Points West Community Bank -1.2% EC Eastern Colorado Bank -5.9%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers; owner-occupied excluded; bold marks a screen met
Amg National Trust BankRankCohort median
Total CRE against capital, the 300% screen149%5th of 12165%
Construction against capital, the 100% screen22%1st of 1254%
Construction and land development, share of loans9.5%7th of 129.3%
Non-owner-occupied nonfarm nonresidential, share of loans41.9%12th of 1213.7%
Total CRE, the guidance definition, share of loans63.3%12th of 1225.9%
CRE growth over 36 months, the third prong+65.8%11th of 12+30.5%
Commercial real estate against capital, the 300% screenCO banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 165% SB Stockmens Bank 99% FN First National Bank Colorado 101% FS First Southwest Bank 121% MV Mountain Valley Bank 144% AN Amg National Trust Bank 149% PW Points West Community Bank 155% EC Eastern Colorado Bank 175% TB Timberline Bank 180% HP High Plains Bank 197% HC High Country Bank 219% PT PB & Trust Bank 317% YV Yampa Valley Bank 342%
CRE growth over 36 months, the guidance's third prongCO banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +30.5% HC High Country Bank -12.3% EC Eastern Colorado Bank -11.9% SB Stockmens Bank +5.6% TB Timberline Bank +5.6% FN First National Bank Colorado +18.4% MV Mountain Valley Bank +24.4% PT PB & Trust Bank +36.6% PW Points West Community Bank +40.6% HP High Plains Bank +45.1% YV Yampa Valley Bank +49.5% AN Amg National Trust Bank +65.8% FS First Southwest Bank +68.1%

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
Points West Community Bank$878M1.4%63.1%0.06%0.00%1.9%61.0%7.9%
Timberline Bank$833M2.1%49.4%0.06%0.01%1.2%92.9%8.2%
PB & Trust Bank$815M2.3%59.7%0.54%0.00%1.3%85.1%10.7%
Amg National Trust Bank$723M2.4%63.5%0.04%0.00%1.0%46.5%17.1%
Eastern Colorado Bank$721M1.1%67.6%0.00%0.00%1.4%75.4%11.3%
Yampa Valley Bank$688M2.3%49.3%0.09%0.01%1.4%87.5%8.5%
First Southwest Bank$657M0.6%79.9%0.04%0.05%1.3%69.5%13.3%
Stockmens Bank$651M1.5%54.0%0.18%0.00%1.6%98.1%10.6%
High Plains Bank$643M1.9%69.6%0.70%0.03%1.1%81.6%10.1%
First National Bank Colorado$634M2.1%46.7%0.00%0.01%1.7%78.6%10.9%
Mountain Valley Bank$557M0.9%68.2%0.19%0.08%1.1%92.1%10.6%
High Country Bank$528M1.1%71.3%1.34%0.00%1.2%99.0%9.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Amg National Trust BankCohort median
20212026Change20212026Change
Loans$216M$275M+27%$300M$459M+53%
Deposits$455M$592M+30%$443M$580M+31%
NPA / loans0.00%0.04%+0.04 pts0.06%0.07%+0.01 pts
Efficiency61.0%63.5%+2.5 pts57.1%63.3%+6.2 pts
ROA2.77%2.42%-0.34 pts1.65%1.69%+0.04 pts

This read was prepared for Amg National Trust 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 Amg National Trust 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 CO banks $300M to $1B
Institution www.amgnational.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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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