What services do you provide? Business lending is our specialty. We provide commercial loans for small businesses, agribusiness, medical partnerships/practices, and commercial real estate. We also make loans for working capital, receivables, and inventory, along with vehicle and fleet financing. Other services include letters of credit, business credit cards, single-pay notes, commercial construction, and professional/executive loans.

Do you specialize in specific markets? Our Texas banking legacy includes San Antonio, Fort Worth, Bryan/College Station, Austin, and the Texas Panhandle. We also have agribusiness customers in Kansas, New Mexico, Nebraska, and Oklahoma.

What is the average loan size you work on? While we love servicing small business loans under $1 million, in the San Antonio market, we fill a local void in providing loans from $5 to $50 million plus.

What sets you apart from other commercial lenders? Amarillo National Bank is the largest family-owned bank in the nation, and that truly sets us apart. Family ownership means quick decisions and zero bureaucracy. Our top priority is building relationships and understanding our local needs. Because we are not publicly traded, we put customers first—not shareholders.

What are you concerned or excited about on the commercial lending horizon?

In San Antonio, we are excited about becoming a trusted advisor to small- and medium-sized businesses, offering products and solutions that focus on customer service with quick, local decision-making. You’ll find a lot of banks with “salespeople” who aren’t underwriters or decision-makers. That “win a deal” mindset leads to bad advice and burdensome deal structures. That’s not our mentality. Last year’s rising interest rates left companies and individuals with unfortunate exposure. Our customers trust that we understand their business and aren’t just trying to book a loan.

Amarillo National Bank

1020 N E Loop 410, Suite 100 San Antonio, TX 78209

(210) 536-5500 | anb.com