Visbanking Logo
Skip to main content

Amarillo National Bank

IDRSSD: 353555
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2023-Q4QoQ +16

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #353555 2023-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↑ +16 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +75
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -9
91
Sub-score

Liquidity is strong: brokered 0.1%, loans/deposits 88.1%, cash 14.5% of assets.

Cash / Assets
14.47%
Loans / Deposits
88.11%
Brokered %
0.05%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.14%
No watch items at this period.

Capitalization

StableQoQ +1
67
Sub-score

Capital position is stable: Tier 1 RBC 10.37%, CET1 10.37%, leverage 9.44%.

Tier 1 RBC
10.37%
CET1
10.37%
Leverage
9.44%
No watch items at this period.

Asset Quality

StableQoQ +75
75
Sub-score

Asset quality is stable: Adjusted NPL 1.60%, Texas Ratio 12.0%, NCO YTD 0.95%.

Adjusted NPL
1.60%
Govt-guarantees stripped
Texas Ratio
12.0%
NCO YTD
0.95%
30-89 PD
1.49%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
53
Sub-score

Reserves are deteriorating: ALLL 1.24% of loans, coverage 78.5%, true coverage 75.5%.

ALLL / Loans
1.24%
Coverage
78.5%
True Loss Coverage
75.5%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 19:28:04 UTC