Amarillo National Bank now Top Texas Community Bank in 2024

Amarillo National Bank is the top Texas community bank, with assets of $9.56BN.

US Community Banks

In Q4 2024 combined US community bank total assets were $3.51TN across 3,982 financial institutions. The Federal Reserve defines community banks as those with less than $10 billion in assets.

Texas ranks first in the US with a total of 313 banks and $295BN (8.4%) in total assets, and above Illinois in second with 322 community banks held $224.8BN (6.4%) in total assets. California is in third with 107 community banks and $188BN (5.4%) in assets.

Texas represents 7.9% of all community banks holding 8.4% of total assets. Texas community bank assets grew by 3.4% in Q4 2024, adding $9.7BN from Q4 2023. Assets reduced by 0.53% from Q3 2024.

Top Texas Community Bank by Assets

Amarillo National Bank is the top Texas community bank, with assets of $9.56BN, up 4.3% Year-on-Year (YoY) from $9.16BN in December 2023, and 1.39% Qtr-on-Qtr (QoQ) from $9.43BN in September 2024. The top 10 community banks are shown below.

Top Texas Community Bank by 1st Mortgage Portfolio

Texas Bank is the largest holder of single family residential 1st mortgages (closed end) on the balance sheet at $1.22BN, up 17.1% YoY from $1.04BN in December 2023, and 4.7% QoQ from $1.16BN in September 2024.

Top Texas Community Banks in Q4 2024

The Top Texas Community Banks in Q4 2024, in an easy-to-use format for easy analysis. Includes all community banks with assets less than $10BN as reported in Q4 2024 – more than 300 institutions – showing lender name, website, and ranking by total assets, and 1st mortgages, 2nd mortgages and HELOCs held for investment in Q4 2024, and compared to the prior Q3 2024 quarter and same period Q4 2023 a year ago.

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Top Bank by 2nd Mortgage Portfolio

First National Bank is the largest holder of single family residential 2nd mortgages on the balance sheet at $72.4MM, down 4.7% YoY from $76.0MM in December 2023, and up marginally 0.06% QoQ from $72.3MM in September 2024.

Top Bank by HELOC Portfolio

Amarillo National Bank is the largest holder of single family residential home equity lines of credit (HELOCs) on the balance sheet at $117MM, up 40.0% YoY from $84MM in December 2023, and 7.2% QoQ from $109MM in September 2024.