Case Study: Amarillo National Bank achieves 68% portfolio penetration and modernizes loan review with Abrigo's DiCOM

Amarillo National Bank transforms workflows and risk management with Abrigo’s DiCOM loan review software

Amarillo National Bank, a family-owned Texas institution with nearly $10 billion in assets, faced growing pains after a merger left its loan review team using manual spreadsheets and an outdated, crash-prone database across multiple locations. Vice President of Loan Review Britni Hernandez and her team needed a scalable, centralized solution and turned to Abrigo’s DiCOM loan review software to replace error-prone processes and improve cross-branch collaboration.

Abrigo implemented DiCOM, giving ANB real-time access to core data, user-defined codes, flexible reporting, and a unified platform for tracking loan activity. The results include a rise in rolling 12-month penetration from 48% to 68%, a 20% improvement in financial spreads using DiCOM templates, faster risk identification, positive examiner feedback, and stronger oversight across the organization.

Amarillo National Bank

Britni Hernandez

Vice President of Loan Review