Amarillo National Bank

What Amarillo National Bank does

Amarillo National Bank is a privately held regional bank founded in 1892, headquartered in Amarillo, Texas, that operates a full-service retail, commercial, and wealth management franchise across the Texas Panhandle and into San Antonio and Lubbock (via an affiliated Lubbock National Bank). The bank serves four primary customer segments—individual consumers, small-to-medium-sized businesses, high-net-worth wealth management clients, and farmers/ranchers—through both physical branches and a Q2 Holdings-powered digital banking platform accessible online, via mobile apps, and via SMS text banking.

The bank offers more than 20 distinct product lines spanning personal and business checking and savings accounts (including student, senior, HSA, money market, and CD variants), a lending suite (home purchase and refinance, home equity, auto, personal term, equipment, inventory, vehicle/fleet, acquisition, agriculture, business lines of credit, and letters of credit), Visa debit and credit cards (with credit rates capped at 18%), merchant services, treasury management (payables, receivables, risk management), and a wealth management practice built on Trust and Investment Services, Farm and Ranch Management, Oil and Gas Property Management, Managed IRAs, employer retirement plans, and Raymond James brokerage. Its digital ecosystem includes Zelle for peer-to-peer payments, FedNow real-time payments, AllPoint Network access to 55,000+ free ATMs, mobile deposit, Card Control, and—announced in 2026 through partnerships with Q2 Holdings and Stablecore—stablecoins and tokenized deposits. ANB is American Land Title's wholly owned subsidiary for adjacent title insurance services and is FDIC-insured, NMLS-licensed (identifier 644528), an Equal Housing Lender, and WCAG 2.2 Level AA certified for web accessibility.

ANB's revenue model blends traditional bank economics—interest income on consumer, mortgage, auto, and commercial loans; deposit account funding; transaction-based service fees (wire transfers, stop payments, NSF, cashier's checks, money orders); wealth management fees on managed IRAs and retirement plans; and merchant services fees—with an emerging fee/transaction opportunity from digital asset products. The bank uses a horizontal segmentation approach with two equally primary segments (Individual Consumers and Business Banking) plus secondary Wealth Management and Agriculture segments. Distribution is multi-channel: physical branches in Amarillo and San Antonio, a 24/7 digital platform, phone support (806-378-8000 and 1-800-ANB-FREE), and partner-led distribution (AllPoint ATMs, Raymond James, Empower/John Hancock, Q2). Marketing is concentrated at the top of funnel via website, social media (Facebook, Instagram, LinkedIn, YouTube), community involvement, and financial education content.

Name

Amarillo National Bank

Legal name

Amarillo National Bank

Website

https://anb.com

Company type

Private

Founded year

1892

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Amarillo National Bank, founded in 1892 and headquartered in Amarillo, Texas, is a privately held regional bank serving consumer, business, wealth management, and agricultural customers across Texas via branches in Amarillo, San Antonio, and Lubbock (affiliate), and a Q2 Holdings-powered digital banking platform.

Ownership category

akta.pro rank

Product category

Community and Regional Banking

NAICS

Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

akta.pro secondary industries

Onshore Private Banking (Domestic HNW/UHNW) (FSAAABAA), Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

Keywords

• Community banking services
• Commercial lending products
• Wealth management services
• Digital banking platform
• Treasury management solutions

Headquarters

HQ city

Amarillo

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including mortgage loans, auto loans, personal loans, business loans, and home equity loans
2. Banking Service Fees: Fees for various banking services including wire transfers ($15 outgoing, $45 foreign), stop payments ($19), NSF/insufficient funds ($19), cashier's checks ($2), money orders ($1)
3. Deposit Account Revenue: Revenue from checking accounts, savings accounts, money market accounts, and certificates of deposit including interest-bearing checking and HSA accounts
4. Wealth Management Services: Trust and investment services, managed IRAs, employer retirement services (401K, profit sharing, cash balance plans), and Raymond James brokerage services
5. Merchant Services: Credit card processing and merchant services for business customers including card machines and payment processing

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Amarillo National Bank is a privately held regional bank providing personal and business banking, lending, cards, treasury management, merchant services, and wealth management to consumers, businesses, and agricultural operators across Texas. Its core products include checking and savings accounts, mortgages, auto and personal loans, business loans, Visa debit and credit cards, and investment/trust services, delivered through branch locations and a Q2-powered digital banking platform.

Product overview

Amarillo National Bank operates as a traditional regional bank offering a comprehensive suite of banking products through a unified digital banking platform. The core offering consists of personal and business checking/savings accounts, lending products (mortgages, auto loans, personal loans, business loans), credit cards, and wealth management services. Digital banking capabilities are delivered through Q2 Holdings' platform with additional services including Zelle for P2P payments, FedNow for instant transfers, and digital asset services via Stablecore. Treasury management and merchant services support business customers, while wealth management encompasses trust services, investment management, and retirement planning through both ANB and Raymond James partnerships.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Feature4 records

Partnerships

One partnership is on record.

• Q2 Holdings / StablecorecoreTechnology or Integration · 24 March 2026Amarillo National Bank is among early institutions engaging with new digital asset capabilities including stablecoins and tokenized deposits through Q2 Holdings' digital banking platform via Q2 Innovation Studio. This partnership enables ANB to offer compliant digital asset products within regulated banking environments.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• PlainsCapital Bank: Texas regional bank with comparable commercial lending, treasury management, and consumer banking offerings. Particularly relevant as the direct employer of ANB's former San Antonio market president.
• Independent Bank (Independent Bank Group): Texas-based community bank with personal, business, and mortgage lending across North and Central Texas. Comparable community-bank model with similar SMB and consumer focus.
• Texas Capital Bank: Texas-headquartered commercial bank serving businesses, entrepreneurs, and wealth clients. Comparable in commercial banking emphasis and Texas regional focus.
• Prosperity Bank: Large Texas community bank with broad personal and business banking, mortgage, and wealth services across Texas and Oklahoma. Directly comparable as a multi-market Texas community/regional bank.
• Frost Bank: Texas-based regional bank offering consumer, business, and wealth management services with a strong local-decision-making brand. Closely comparable to ANB in geographic focus, product mix, and community-bank positioning.
• FirstBank (FB Corporation): Texas community bank offering consumer, business, and mortgage products with a strong local community focus. Comparable in scale, product mix, and Texas regional footprint.

Broad incumbents

• Comerica Bank: Super-regional bank with a Texas/Midwest core, offering consumer, commercial, and wealth management services. Larger than ANB but operates in overlapping Texas markets with similar product breadth.
• IBC Bank (International Bancshares Corp.): Texas-headquartered bank holding company with retail, commercial, and international banking across Texas and the Southwest. Comparable Texas regional focus, though larger and broader in geographic reach.
• JPMorgan Chase (Chase Bank): National incumbent with extensive Texas branch presence competing directly for ANB's consumer, SMB, and wealth customers. Represents the dominant scale competitor ANB faces in shared Texas markets.

Regional players

• Broadway Bank: San Antonio-headquartered privately held bank serving consumers, businesses, and wealth clients. Direct geographic overlap with ANB's San Antonio expansion market and similar community/private positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/AmarilloNationalBank
• Facebookfacebook.com/AmarilloNationalBank
• LinkedInlinkedin.com/company/amarillo-national-bank
• Instagraminstagram.com/amarillonationalbank
• Xx.com/anb

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Amarillo National Bank