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Amarillo National Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q4QoQ -2

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

Quarterly Headline

2025-Q4

Bank #353555 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.54% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ -3
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 84.0%, cash 19.3% of assets.

Cash / Assets
19.34%
Loans / Deposits
83.99%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.38%
No watch items at this period.

Capitalization

StrongQoQ -2
86
Sub-score

Capital position is strong: Tier 1 RBC 12.61%, CET1 12.61%, leverage 10.56%.

Tier 1 RBC
12.61%
CET1
12.61%
Leverage
10.56%
No watch items at this period.

Asset Quality

StableQoQ -5
75
Sub-score

Asset quality is stable: Adjusted NPL 1.58%, Texas Ratio 9.8%, NCO YTD 1.54%.

Adjusted NPL
1.58%
Govt-guarantees stripped
Texas Ratio
9.8%
NCO YTD
1.54%
30-89 PD
0.80%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.54% of loans.

Reserves

WatchQoQ +5
57
Sub-score

Reserves are deteriorating: ALLL 1.29% of loans, coverage 82.3%, true coverage 79.6%.

ALLL / Loans
1.29%
Coverage
82.3%
True Loss Coverage
79.6%
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