Amarillo National Bank

Amarillo National Bank has the strongest local identity of the group, and that usually points to a community bank with deep regional roots rather than a faceless national machine. By our assessment, that kind of bank tends to be good at the bread-and-butter work of checking accounts, savings, loans, and relationship banking. The upside is familiarity and a grounded regional presence; the downside is that it will not be built like a giant everywhere-at-once bank. In use, that usually means a more personal, less corporate feel, with banking shaped around local customers and local routines. Compared with national megabanks, Amarillo National Bank sits on the more personal end of the spectrum, and that is where its appeal lives. The work it does is ordinary banking, but the setting gives it a clearer face than most names in the category.