Amarillo National Bank Mortgage Rates, Fees & Info

Amarillo, TX

LEI: 549300ASIS4D2QDWH380

Tax ID: 75-0109799

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Amarillo National Bank is a smaller bank specializing in Home Purchase loans. Amarillo National Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Amarillo, Lubbock, Austin, Brownsville, and Dallas among others. We have data for 42 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Amarillo National Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Amarillo National Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.06% 4/21/24
    30 Year Conventional Refi 6.85% 4/21/24
    30 Year Cash-out Refi 7.06% 4/21/24
    30 Year FHA Purchase 7.33% 4/21/24
    30 Year FHA Refi 6.63% 4/21/24
    30 Year VA Purchase 6.08% 4/21/24
    30 Year VA Refi 5.94% 4/21/24
    30 Year USDA Purchase 7.36% 4/21/24
    15 Year Conventional Purchase 6.36% 4/21/24
    15 Year Conventional Refi 6.15% 4/21/24
    15 Year Cash-out Refi 6.15% 4/21/24
    15 Year FHA Purchase 7.65% 4/21/24
    15 Year VA Refi 5.68% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Amarillo National Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Amarillo National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,724

    Origination Dollar Volume (All Markets)

    $355,810,000

    Employee count

    841 Show all (5) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    AMARILLO, TX (FHA|USDA|VA) 1,175 $201,345,000 $171,357 $3,799 4.60%
    LUBBOCK, TX (FHA|USDA|VA) 190 $33,670,000 $177,211 $4,071 4.59%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 31 $33,115,000 $1,068,226 $5,436 5.28%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $29,380,000 $14,690,000 $0 6.00%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 34 $10,030,000 $295,000 $3,645 4.76%
    Borger, TX (FHA|USDA|VA) 76 $9,290,000 $122,237 $3,510 4.50%
    Outside of Metro Areas 68 $9,250,000 $136,029 $3,370 4.78%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 43 $8,875,000 $206,395 $3,883 4.97%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 14 $3,840,000 $274,286 $5,069 5.01%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $2,960,000 $740,000 $9,879 4.56%
    Pampa, TX (FHA|USDA|VA) 24 $2,790,000 $116,250 $3,536 4.50%
    Dumas, TX (FHA|USDA|VA) 15 $1,895,000 $126,333 $3,874 5.38%
    Hereford, TX (FHA|USDA|VA) 9 $1,355,000 $150,556 $2,930 5.28%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $930,000 $465,000 $2,994 4.44%
    MIDLAND, TX (FHA|USDA|VA) 3 $695,000 $231,667 $3,846 4.29%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $655,000 $655,000 $0 6.50%
    SANTA FE, NM (FHA|USDA|VA) 2 $650,000 $325,000 $3,525 4.13%
    ODESSA, TX (FHA|USDA|VA) 3 $565,000 $188,333 $7,436 4.58%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $485,000 $485,000 $4,153 4.38%
    Brownwood, TX (FHA|USDA|VA) 2 $370,000 $185,000 $3,564 4.19%
    Granbury, TX (FHA|USDA|VA) 1 $365,000 $365,000 $5,172 4.50%
    Mineral Wells, TX (FHA|USDA|VA) 1 $335,000 $335,000 $4,903 4.75%
    Fredericksburg, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,032 3.00%
    Hobbs, NM (FHA|USDA|VA) 1 $225,000 $225,000 $4,814 4.13%
    Levelland, TX (FHA|USDA|VA) 3 $205,000 $68,333 $4,143 4.13%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $205,000 $205,000 $3,101 3.63%
    Plainview, TX (FHA|USDA|VA) 2 $200,000 $100,000 $3,635 3.94%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $195,000 $195,000 $3,315 3.88%
    WACO, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.63%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,139 4.75%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $165,000 $165,000 $2,482 3.18%
    Alamogordo, NM (FHA|USDA|VA) 1 $135,000 $135,000 $2,589 4.13%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,045 3.88%
    Guymon, OK (FHA|USDA|VA) 1 $125,000 $125,000 $3,397 5.00%
    Nacogdoches, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,042 3.38%
    ABILENE, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,008 4.75%
    TULSA, OK (FHA|USDA|VA) 1 $115,000 $115,000 $3,329 6.00%
    Lamesa, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,171 4.88%
    Hays, KS (FHA|USDA|VA) 1 $95,000 $95,000 $2,215 4.13%
    Palestine, TX (FHA|USDA|VA) 1 $95,000 $95,000 $2,872 4.88%
    Clovis, NM (FHA|USDA|VA) 1 $75,000 $75,000 $1,996 4.88%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $45,000 $45,000 $2,604 4.88%
    Amarillo National Bank's top markets include Amarillo, Lubbock, Austin, Brownsville, and Dallas among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Amarillo National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    AMARILLO COMMUNITY
    Similarity Rank: 85
    Extraco Banks
    Similarity Rank: 330
    SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C
    Similarity Rank: 459
    Alliance Credit Union
    Similarity Rank: 494
    American Momentum Bank
    Similarity Rank: 506
    Southwest Bank
    Similarity Rank: 588
    AAXY L.L.C.
    Similarity Rank: 848
    UNIVERSAL LENDING CORPORATION
    Similarity Rank: 897
    CAPITAL PLUS FINANCIAL, LLC
    Similarity Rank: 1038
    AIMBank
    Similarity Rank: 1054

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,421 $305,115,000 $214,719 $3,304 4.78%
    FHA 229 $34,495,000 $150,633 $6,001 4.05%
    VA 72 $16,060,000 $223,056 $5,717 3.75%
    USDA 2 $140,000 $70,000 $4,138 4.13%

    For 2019, Amarillo National Bank's most frequently originated type of loan was Conventional, with 1,421 originations. Their 2nd most popular type was FHA, with 229 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,210 $276,630,000 $228,620 $4,370 4.37%
    Refi 192 $43,400,000 $226,042 $3,138 4.26%
    Cash Out Refi 180 $26,450,000 $146,944 $3,124 5.07%
    Home Improvement 74 $4,830,000 $65,270 $1,105 7.11%
    Other 68 $4,500,000 $66,176 $1,187 6.60%

    For 2019, Amarillo National Bank's most frequently cited loan purpose was Home Purchase, with 1,210 originations. The 2nd most popular reason was Refi, with 192 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,149 $221,195,000 $192,511 $4,374 4.32%
    15 Year 319 $38,395,000 $120,361 $2,525 4.78%
    10 Year 107 $56,135,000 $524,626 $2,171 5.71%
    5 Year 59 $22,715,000 $385,000 $659 6.45%
    Other 38 $4,700,000 $123,684 $1,843 6.45%
    20 Year 28 $4,680,000 $167,143 $3,374 4.66%
    1 Year 19 $3,925,000 $206,579 $2,910 6.08%
    3 Year 3 $3,285,000 $1,095,000 $0 6.32%
    30+ year 2 $780,000 $390,000 $6,515 5.31%

    For 2019, Amarillo National Bank's most frequently cited loan duration was 30 Year, with 1,149 originations. The 2nd most popular length was 15 Year, with 319 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,494 $266,880,000 $178,635
    $1k-2k 41 $7,125,000 $173,780
    $2k-3k 11 $3,295,000 $299,545
    $4k-5k 5 $1,205,000 $241,000
    $3k-4k 4 $760,000 $190,000
    $5k+ 3 $575,000 $191,667

    Amarillo National Bank's average total fees were $4,374, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,494 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 666 $118,370,000 $177,733
    3-4% 633 $125,865,000 $198,839
    5-6% 244 $63,110,000 $258,648
    6-7% 103 $42,615,000 $413,738
    7-8% 44 $2,750,000 $62,500
    Over 8% 24 $890,000 $37,083
    2.5-3% 10 $2,210,000 $221,000

    During 2019, Amarillo National Bank's average interest rate for loans was 4.32%, while their most frequently originated rate bucket for loans was 4-5%, with 666 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 738 $108,370,000 $146,843 $3,987 4.40%
    $100,000 or less 477 $29,385,000 $61,604 $2,289 5.36%
    $200k-400k 398 $108,540,000 $272,714 $4,730 4.24%
    $400k-600k 84 $38,130,000 $453,929 $4,913 4.25%
    $1MM+ 16 $62,610,000 $3,913,125 $10,057 5.58%
    $600k-1MM 11 $8,775,000 $797,727 $6,646 5.39%

    2019 saw Amarillo National Bank place emphasis on $100k-200k loans with 738 originations, totaling $108,370,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 385 $50,505,000 $131,182 $4,057 4.55%
    $100k-150k 358 $74,910,000 $209,246 $4,062 4.45%
    $50k or less 327 $28,425,000 $86,927 $3,069 4.85%
    $75k-100k 261 $41,175,000 $157,759 $3,840 4.62%
    $150k-250k 195 $50,045,000 $256,641 $3,823 4.45%
    $250k+ 114 $43,510,000 $381,667 $4,327 4.69%

    Amarillo National Bank lent most frequently to those with incomes in the $50k-75k range, with 385 originations. The second most popular income band? $100k-150k, with 358 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 355 $59,865,000 $168,634 $3,722 4.50%
    30-36% 305 $51,305,000 $168,213 $3,463 4.59%
    <20% 122 $20,670,000 $169,426 $3,236 4.35%
    44% 85 $13,575,000 $159,706 $3,411 4.97%
    42% 79 $13,545,000 $171,456 $3,994 4.58%
    50-60% 71 $15,055,000 $212,042 $5,792 4.07%
    40% 67 $12,095,000 $180,522 $3,971 4.62%
    39% 61 $10,855,000 $177,951 $4,050 4.56%
    41% 58 $9,150,000 $157,759 $3,661 4.91%
    37% 56 $10,690,000 $190,893 $3,878 4.46%
    36% 55 $10,425,000 $189,545 $3,663 4.67%
    43% 54 $8,830,000 $163,519 $3,467 4.93%
    38% 53 $11,205,000 $211,415 $4,120 4.59%
    46% 49 $7,745,000 $158,061 $4,098 4.30%
    45% 46 $7,470,000 $162,391 $3,780 4.72%
    48% 39 $8,645,000 $221,667 $4,423 4.52%
    47% 30 $6,070,000 $202,333 $4,310 4.35%
    49% 28 $4,720,000 $168,571 $4,210 4.12%
    >60% 16 $5,160,000 $322,500 $4,147 5.59%

    Amarillo National Bank lent most frequently to those with DTI ratios of 20-30%, with 355 originations. The next most common DTI ratio? 30-36%, with 305 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,406 $252,760,000 $179,772 $3,828 4.57%
    Not applicable 53 $61,865,000 $1,167,264 $0 5.91%
    Not provided 177 $30,005,000 $169,520 $3,756 4.67%
    Asian 48 $5,590,000 $116,458 $3,730 4.51%
    Black 30 $4,150,000 $138,333 $2,957 5.75%
    American Indian 10 $1,440,000 $144,000 $5,191 4.63%

    Approval Rates

    Total approvals of all applications
    93.68%

    Amarillo National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.93%

    Amarillo National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,724 $355,810,000 $206,386

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 7 $48,975,000 $6,996,429
    Single Family (1-4 Units):Manufactured 7 $765,000 $109,286
    Single Family (1-4 Units):Site-Built 1,710 $306,070,000 $178,988

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 122 $14,850,000 $121,721 $1,892 5.61%
    40-60% 159 $38,815,000 $244,119 $2,930 4.72%
    60-80% 469 $124,345,000 $265,128 $3,551 4.68%
    80-100% 889 $168,425,000 $189,454 $4,497 4.32%
    Over 100% 16 $5,050,000 $315,625 $9,198 4.32%
    Under 20% 68 $3,670,000 $53,971 $685 6.54%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Amarillo National Bank 1001 Main Street Lubbock, TX 79401 Full Service B&M $183,995
    Amarillo National Bank 1001 South Taylor Amarillo, TX 79101 Limited, Drive-thru $0
    Amarillo National Bank 1198 William D. Fitch Parkway College Station, TX 77845 Full Service B&M $42,759
    Amarillo National Bank 1221 University Drive East College Station, TX 77840 Full Service B&M $77,768
    Amarillo National Bank 1700 4th Avenue Canyon, TX 79015 Full Service B&M $36,975
    Amarillo National Bank 1800a Harvey Mitchell Pkwy S College Station, TX 77845 Full Service B&M $9,219
    Amarillo National Bank 1936 Texas Ave Lubbock, TX 79411 Full Service B&M $0
    Amarillo National Bank 2401 Coulter Amarillo, TX 79106 Full Service B&M $231,747
    Amarillo National Bank 2401 South Grand Street Amarillo, TX 79103 Full Service B&M $29,564
    Amarillo National Bank 2530 South Georgia Amarillo, TX 79109 Full Service Retail $14,241
    Amarillo National Bank 301 West Sixth Borger, TX 79007 Full Service B&M $111,674
    Amarillo National Bank 3101-3105 South Georgia Amarillo, TX 79109 Full Service B&M $187,434
    Amarillo National Bank 3390 Soncy Amarillo, TX 79124 Full Service Retail $85,777
    Amarillo National Bank 3507 Northeast 24th Street Amarillo, TX 79107 Full Service B&M $70,094
    Amarillo National Bank 4006 82nd Street Lubbock, TX 79423 Full Service B&M $157,366
    Amarillo National Bank 410 S Taylor Amarillo, TX 79101 Full Service Cyber Office $0
    Amarillo National Bank 410 S Taylor Amarillo, TX 79101 Full Service B&M $2,417,034
    Amarillo National Bank 4206 19th Street Lubbock, TX 79407 Full Service B&M $10,503
    Amarillo National Bank 4420 19th Street Lubbock, TX 79407 Full Service B&M $55,012
    Amarillo National Bank 4501 Bell Amarillo, TX 79109 Full Service B&M $130,946
    Amarillo National Bank 4501 South Western Amarillo, TX 79109 Limited, Drive-thru $0
    Amarillo National Bank 4811 50th Street Lubbock, TX 79414 Limited, Drive-thru $0
    Amarillo National Bank 4811 50th Street Lubbock, TX 79414 Full Service B&M $313,813
    Amarillo National Bank 5300 Bee Cave Road Bldg 2 Austin, TX 78746 Full Service B&M $65,043
    Amarillo National Bank 550 Tascosa Road Amarillo, TX 79124 Full Service B&M $98,801
    Amarillo National Bank 5905 82nd Street Lubbock, TX 79424 Full Service B&M $15,010
    Amarillo National Bank 6000 Bell Amarillo, TX 79109 Full Service B&M $173,974
    Amarillo National Bank 601 East Villa Maria Road, Suite 200 Bryan, TX 77802 Full Service B&M $9,663
    Amarillo National Bank 6548 43rd Street, Suite 1 Lubbock, TX 79407 Full Service B&M $3,007
    Amarillo National Bank 712 North Taylor Street Amarillo, TX 79107 Full Service B&M $75,254
    Amarillo National Bank 7210 Interstate 40 West Amarillo, TX 79106 Limited, Drive-thru $0
    Amarillo National Bank 7304 Sw 34th Avenue Amarillo, TX 79121 Full Service B&M $8,574
    Amarillo National Bank 9604 Slide Road Lubbock, TX 79424 Full Service B&M $51,902

    For 2019, Amarillo National Bank had 33 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $250,434
    Net interest income $194,882
    Total noninterest income $55,633
    Gross Fiduciary activities income $15,184
    Service charges on deposit accounts $8,884
    Trading account gains and fees $0
    Additional Noninterest Income $31,565
    Pre-tax net operating income $97,023
    Securities gains (or losses, -) $40
    Income before extraordinary items $97,063
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $97,063
    Minority interest net income $0
    Net income $97,063
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $97,023

    Amarillo National Bank's gross interest income from loans was $250,434,000.
    Amarillo National Bank's net interest income from loans was $194,882,000.
    Amarillo National Bank's fee based income from loans was $8,884,000.
    Amarillo National Bank's net income from loans was $97,063,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $55,552
    Provision for credit losses $16,025
    Total noninterest expense $137,467
    Salaries and employee benefits $78,695
    Premises and equipment expense $11,061
    Additional noninterest expense $47,711
    Applicable income taxes $0
    Net charge-offs $10,449
    Cash dividends $212,592

    Amarillo National Bank's interest expense for loans was $55,552,000.
    Amarillo National Bank's payroll and benefits expense were $78,695,000.
    Amarillo National Bank's property, plant and equipment expenses $11,061,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $4,921,026
    Deposits held in domestic offices $4,921,026
    Deposits by Individuals, partnerships, and corporations $4,580,653
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $215,517
    Deposits by Commercial banks and other depository institutions in U.S. $124,856
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $958,141
    Demand deposits $769,730
    Nontransaction accounts $3,962,885
    Money market deposit accounts (MMDAs) $2,562,901
    Other savings deposits (excluding MMDAs) $379,729
    Total time deposits $1,020,254
    Total time and savings deposits $4,151,296
    Noninterest-bearing deposits $536,802
    Interest-bearing deposits $4,384,224
    Retail deposits $4,539,877
    IRAs and Keogh plan accounts $117,241
    Brokered deposits $6,750
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,700,689
    Cash & Balances due from depository institutions $710,426
    Interest-bearing balances $599,500
    Total securities $281,126
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,478,968
    Loan and leases loss allowance $49,595
    Trading account assets $0
    Bank premises and fixed assets $84,567
    Other real estate owned $649
    Goodwill and other intangibles $77,248
    All other assets $67,705

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,700,688
    Total Liabilities $5,076,128
    Total deposits $4,921,026
    Interest-bearing deposits $4,384,224
    Deposits held in domestic offices $4,921,026
    % insured (estimated) $49
    Federal funds purchased and repurchase agreements $116,795
    Trading liabilities $0
    Other borrowed funds $6,000
    Subordinated debt $0
    All other liabilities $32,307

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,478,968
    Loan and leases loss allowance $49,595
    Total loans and leases (domestic) $4,528,563
    All real estate loans $1,455,888
    Real estate loans in domestic offices $1,455,888
    Construction and development loans $216,493
    Residential 1-4 family construction $27,640
    Other construction, all land development and other land $188,853
    Loans secured by nonfarm nonresidential properties $704,385
    Nonfarm nonresidential secured by owner-occupied properties $437,989
    Commercial real estate & other non-farm, non-residential $266,396
    Multifamily residential real estate $74,099
    1-4 family residential loans $320,037
    Farmland loans $140,874
    Loans held in foreign offices $0
    Farm loans $550,589
    Commercial and industrial loans $1,526,040
    To non-U.S. addressees $0
    Loans to individuals $846,240
    Credit card loans $5,351
    Related Plans $1,532
    Consumer Auto Loans $582,957
    Other loans to individuals $256,400
    All other loans & leases $149,806
    Loans to foreign governments and official institutions $0
    Other loans $144,269
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $20,389
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $4,307
    Non 1-4 family restructured loans & leases $2,266
    Total loans and leases (foreign) $0

    Amarillo National Bank had $4,478,968,000 of loans outstanding in 2019. $1,455,888,000 of loans were in real estate loans. $216,493,000 of loans were in development loans. $74,099,000 of loans were in multifamily mortgage loans. $320,037,000 of loans were in 1-4 family mortgage loans. $550,589,000 of loans were in farm loans. $5,351,000 of loans were in credit card loans. $582,957,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 986 $204,289 $207,190
    Nonfarm, nonresidential loans - <$100k 280 $13,239 $47,282
    Nonfarm, nonresidential loans - $100-250k 327 $41,398 $126,599
    Nonfarm, nonresidential loans - $250k-1MM 379 $149,652 $394,860
    Commercial & Industrial, US addressed loans - <$1MM 4,690 $346,929 $73,972
    Commercial & Industrial, US addressed loans - <$100k 3,012 $79,980 $26,554
    Commercial & Industrial, US addressed loans - $100-250k 1,109 $106,390 $95,933
    Commercial & Industrial, US addressed loans - $250k-1MM 569 $160,559 $282,178
    Farmland loans - <$1MM 34 $5,378 $158,176
    Farmland loans - <$100k 12 $348 $29,000
    Farmland loans - $100-250k 9 $890 $98,889
    Farmland loans - $250k-1MM 13 $4,140 $318,462
    Agriculture operations loans - <$1MM 169 $13,252 $78,414
    Agriculture operations loans - <$100k 95 $2,520 $26,526
    Agriculture operations loans - $100-250k 39 $4,021 $103,103
    Agriculture operations loans - $250k-1MM 35 $6,711 $191,743