Amg National Trust Bank
Boulder, Colorado · FDIC Cert #57295
Amg National Trust Bank is an FDIC-insured bank (Certificate #57295) with $660M in total assets and $551M in total deposits as of the Q2 2024 Call Report. Headquartered in Boulder, Colorado, the bank maintains a Tier 1 capital ratio of 18.59% (Well-Capitalized) and a nonperforming loan ratio of 0.03%. BankHealthData assigns a composite Health Grade of A (100/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Amg National Trust Bank (FDIC cert 57295) is a community bank — $660M in total assets, $551M in deposits, serving the Boulder, Colorado area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 18.59% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.03% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 54.6% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 2.79% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Amg National Trust Bank carries a composite BankHealth grade of A (100/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Amg National Trust Bank
- Total Assets
- $660M
- Total Deposits
- $551M
- Tier 1 Capital Ratio
- 18.59%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.03%
- Liquidity Ratio
- 54.57%
- Return on Assets
- 2.79%
- Headquarters
- Boulder, Colorado
- FDIC Certificate
- #57295
- Health Grade
- A (100/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Amg National Trust Bank holds a Tier 1 capital ratio of 18.59%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Amg National Trust Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Amg National Trust Bank shows strong financial health indicators. With $660M in assets and a Health Score of 100/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Amg National Trust Bank Compares
Amg National Trust Bank’s Health Score of 100 is 29 points above the Colorado state average of 71 across 62 FDIC-insured banks. Its 18.59% Tier 1 capital ratio is 4.6 points above the US banking industry average near 14%. The 0.03% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.79% is in line with or above the national ROA benchmark of ~1.1%. Among 1294 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Amg National Trust Bank is 30 points above the portfolio average of 70.
Frequently Asked Questions
Amg National Trust Bank has a Bank Health Score of A (100/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 18.59%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Amg National Trust Bank's Tier 1 capital ratio of 18.59% and nonperforming loan ratio of 0.03% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Amg National Trust Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57295). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Amg National Trust Bank holds $660M in total assets and $551M in total deposits. It is headquartered in Boulder, Colorado (FDIC Certificate #57295).
Amg National Trust Bank has a Tier 1 capital ratio of 18.59%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.03%, and the return on assets is 2.79%.
Yes. Amg National Trust Bank is FDIC-insured (Certificate #57295). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Amg National Trust Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.