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First National Bank of Anderson, The

Anderson, TX · Cert 3075 · First Anderson Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

60

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Anderson, The

Anderson, TX · Cert 3075 · First Anderson Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$230.4MAssets
$142.7MLoans
$203.2MDeposits
$26.7MEquity
Loan mix
89%RE $121.5M7%C&I $8.9M4%Consumer $5.5MQ3 2024Q2 2026
Deposit mix
56%Interest-bearing $112.9M44%Noninterest $90.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.39%, up 29 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.16% of loans (-195 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 12.02%, unchanged from a year ago.
  • Funding: loans stand at 70.23% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.39%+29 bps YoY

Net Interest Margin (YTD, annualized)

4.25%+34 bps YoY

Efficiency Ratio (YTD, annualized)

60.17%-539 bps YoY

Tier 1 Leverage Ratio

12.02%0 bps YoY

NIM

5.10%Q2 ’245.27%Q2 ’255.40%Q2 ’26+2%+9%

Non-interest income vs. expense

2.73%Q2 ’242.83%Q2 ’252.79%Q2 ’26+5%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%0.89%0.96%1.10%1.36%1.15%1.20%1.39%+29 bps
Return on Equity10.11%8.40%8.82%9.77%11.82%10.10%10.64%12.22%+246 bps
Net Interest Margin3.83%3.70%3.67%3.90%3.96%3.79%3.92%4.25%+34 bps
Efficiency Ratio64.03%70.73%66.77%65.56%61.83%68.41%63.38%60.17%-539 bps
Non-Interest Burden2.30%2.49%2.32%2.42%2.22%2.42%2.34%2.40%-1 bps
Growth
Asset Growth (YoY)3.51%3.02%1.37%-0.66%1.95%4.52%5.98%10.60%+1,126 bps
Loan Growth (YoY)1.21%2.66%1.36%-0.63%2.45%-0.36%3.07%5.61%+624 bps
Deposit Growth (YoY)2.56%2.50%0.50%-1.87%1.01%3.92%5.72%11.10%+1,297 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.02%0.02%2.12%0.03%0.00%1.93%0.16%-195 bps
Net Charge-Offs / Loans0.15%0.14%0.00%-0.01%-0.02%0.02%-0.01%-0.04%-2 bps
Allowance / Loans1.38%1.35%1.44%1.46%1.40%1.38%1.41%1.42%-4 bps
Allowance Coverage of NPLs30.3x61.6x93.8x0.7x48.5x278.0x0.7x8.8x+8.1x
Capital
Tier 1 Leverage Ratio11.84%11.10%11.34%12.02%12.38%11.17%11.27%12.02%0 bps
Total Risk-Based Capital11.84%11.10%11.34%12.02%12.38%11.17%11.27%12.02%0 bps
Equity / Assets11.21%10.42%11.45%12.02%12.01%10.92%11.63%11.61%-41 bps
Liquidity & Funding
Loans / Deposits72.71%70.59%73.40%73.88%73.75%67.68%71.55%70.23%-365 bps
Liquid Assets / Assets6.59%7.48%9.27%10.00%8.59%11.40%7.73%8.81%-119 bps
CRE / Total Capitaln/an/an/an/a272%281%293%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Anderson, The

Anderson, TX · Cert 3075 · Peer group: banks under $1B in assets in TX (n=208-211) · First Anderson Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$230.4MAssets
$142.7MLoans
$203.2MDeposits
$26.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 71% of banks under $1B in assets in TX (rank 62 of 211).
  • Widest gap: total risk-based capital ratio trails 73% of banks under $1B in assets in TX (rank 154 of 211).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.39%

Rank 75 of 211

Net Interest Margin

4.25%

Rank 62 of 211

Efficiency Ratio

60.17%

Rank 85 of 211

Equity / Assets

11.61%

Rank 95 of 211

Non-interest income vs. expense

$0.9M$6.3MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 60% of banks under $1B in assets in TX
Bank 60.17%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.39%0.87%1.20%1.65%Beats 64%75 / 211
Return on Equity11.94%7.52%11.67%14.58%Beats 53%100 / 211
Net Interest Margin4.25%3.28%3.82%4.31%Beats 71%62 / 211
Efficiency Ratio60.17%53.01%64.18%73.65%Beats 60%85 / 211
Asset Quality
Nonperforming Loans / Loans0.16%0.01%0.30%1.10%Beats 59%87 / 208
Net Charge-Offs / Loans0.03%0.00%0.01%0.06%Beats 36%134 / 208
Capital
Tier 1 Capital Ratio12.02%11.72%14.45%19.57%Beats 27%153 / 211
Total Risk-Based Capital Ratio12.02%11.94%14.78%20.30%Beats 27%154 / 211
Equity / Assets11.61%9.41%11.06%12.94%Beats 55%95 / 211
Liquidity & Funding
Loans / Deposits70.23%45.39%66.56%82.03%57th pctl90 / 208
Loans / Assets61.94%39.13%56.90%70.46%59th pctl87 / 211
Brokered Deposits / Depositsn/aNot reported for this institution