🏦Bank Scorer

AMARILLO NATIONAL BANK

AMARILLO, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1892FDIC #14,531
Outstanding Same

Current rating · Exam: January 2022

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.74%

Institution Profile

FDIC BankFind

Address

410 S Taylor St, AMARILLO, TX

County

Potter County

Established

January 1, 1892

Total Assets

$10.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 3, 2022

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$10.2B

Total Deposits

$9.0B

Net Loans

$7.0B

Net Income

$43M

ROA

1.74%

ROE

15.75%

Risk-Based Capital

14.18%

Regulatory minimum: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Mortgage Denial Rate12.54%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

34

Branch Deposits

$8.6B

1-Year Change

+1

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,68766.1%12.54%
20232,47663.89%13.93%
20222,88765.15%11.19%
20213,88770.67%8.41%
20204,96772.52%6.76%
20192,50268.9%10.35%
20182,08864.99%11.35%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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