Total Assets
$741M
Total balance-sheet footings
FDIC Cert #57295 · Boulder, Colorado · Est. 2001
AMG National Trust Bank - FDIC Bank Health Profile
A community-scale look at AMG National Trust Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $741M
- Total assets
- A
- Health grade · Excellent
- 2.14%
- Return on assets
- 22.0%
- Tier 1 capital
Data updated July 2026
The verdict
AMG National Trust Bank earns a PlainBankData health grade of A (93/100), with well-capitalized at 22.00% Tier 1, profitable at 2.14% ROA, 66% efficiency ratio.
- #1,330
- largest of 4,313 FDIC banks by assets
- 69th
- percentile by asset size, nationally
- 22.00%
- Tier 1 ratio - above the 10% well-capitalized line
- 93rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How AMG National Trust Bank's 93/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
AMG National Trust Bank's composite health score
Tier 1 Capital Ratio (22.00%) 40/40
Return on Assets (ROA) (2.14%) 25/25
Texas Ratio (0.15%) 20/20
Efficiency Ratio (65.81%) 8/15
93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$617M
Customer-funded liabilities
Net Loans
$281M
Outstanding loan book
Net Income
$16M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where AMG National Trust Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. AMG National Trust Bank's score of 93/100 falls in the highlighted band.
AMG National Trust Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). AMG National Trust Bank's $741M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
22.00% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.00%
Texas Ratio
0.15%
Equity Capital
$116M
Profitability metrics
Return on Assets (ROA)
93rd percentile nationally
2.14%
Return on Equity (ROE)
14.64%
Efficiency Ratio
65.81%
What the numbers say about AMG National Trust Bank
AMG National Trust Bank is an FDIC-insured institution (Certificate #57295) headquartered in Boulder, Colorado, established in 2001. It holds $741M in total assets - 1,330th of 4,313 FDIC-insured banks, $617M in customer deposits, and $281M in net loans. Capital-wise, the Tier 1 ratio sits at 22.00%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.15%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (93 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
AMG National Trust Bank sits 12th of 65 banks headquartered in Colorado by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$37M
Interest Income
$46M
Non-Interest Income
$42M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. AMG National Trust Bank reports a Texas Ratio of 0.15% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.15% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Colorado by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) AMG National Trust Bank (FDIC Cert #57295) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| FirstBankLakewood | $26.5B | A | 1.20% |
| NBH BankGreenwood Village | $9.8B | A | 1.18% |
| Bank of ColoradoFort Collins | $7.7B | A | 1.07% |
| Alpine BankGlenwood Springs | $6.9B | A | 1.16% |
| First Western Trust BankDenver | $3.2B | C | 0.51% |
| ANB BankDenver | $3.0B | B | 0.81% |
| Colorado Federal Savings BankGreenwood Village | $2.7B | A | 0.57% |
| Solera National BankLakewood | $1.6B | B | 1.86% |
Frequently asked questions
What is AMG National Trust Bank's health grade?▼
AMG National Trust Bank receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is AMG National Trust Bank?▼
AMG National Trust Bank holds $741M in total assets and $617M in deposits, ranking 1,330th of 4,313 FDIC-insured banks by asset size. It is headquartered in Boulder, Colorado.
Is my money safe at AMG National Trust Bank?▼
Yes, deposits at AMG National Trust Bank (Certificate #57295) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is AMG National Trust Bank's Tier 1 Capital Ratio?▼
AMG National Trust Bank has a Tier 1 Capital Ratio of 22.00%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for AMG National Trust Bank?▼
AMG National Trust Bank has a Texas Ratio of 0.15%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is AMG National Trust Bank?▼
AMG National Trust Bank has an Efficiency Ratio of 65.81%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read AMG National Trust Bank's profile as a depositor or analyst.
- AMG National Trust Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare AMG National Trust Bank against other Colorado banks before moving funds. Colorado banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.