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
Unfavorable gap of $5.4M · efficiency ratio beats 60% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.87% | 1.20% | 1.65% | Beats 64% | 75 / 211 | | |
| Return on Equity | 11.94% | 7.52% | 11.67% | 14.58% | Beats 53% | 100 / 211 | | |
| Net Interest Margin | 4.25% | 3.28% | 3.82% | 4.31% | Beats 71% | 62 / 211 | | |
| Efficiency Ratio | 60.17% | 53.01% | 64.18% | 73.65% | Beats 60% | 85 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.01% | 0.30% | 1.10% | Beats 59% | 87 / 208 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 36% | 134 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 12.02% | 11.72% | 14.45% | 19.57% | Beats 27% | 153 / 211 | | |
| Total Risk-Based Capital Ratio | 12.02% | 11.94% | 14.78% | 20.30% | Beats 27% | 154 / 211 | | |
| Equity / Assets | 11.61% | 9.41% | 11.06% | 12.94% | Beats 55% | 95 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.23% | 45.39% | 66.56% | 82.03% | 57th pctl | 90 / 208 | | |
| Loans / Assets | 61.94% | 39.13% | 56.90% | 70.46% | 59th pctl | 87 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |