Anderson, TX · Cert 3075 · First Anderson Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 1.36% | 1.15% | 1.20% | 1.39% | +29 bps | |
| Return on Equity | 9.77% | 11.82% | 10.10% | 10.64% | 12.22% | +246 bps | |
| Net Interest Margin | 3.90% | 3.96% | 3.79% | 3.92% | 4.25% | +34 bps | |
| Efficiency Ratio | 65.56% | 61.83% | 68.41% | 63.38% | 60.17% | -539 bps | |
| Non-Interest Burden | 2.42% | 2.22% | 2.42% | 2.34% | 2.40% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.66% | 1.95% | 4.52% | 5.98% | 10.60% | +1,126 bps | |
| Loan Growth (YoY) | -0.63% | 2.45% | -0.36% | 3.07% | 5.61% | +624 bps | |
| Deposit Growth (YoY) | -1.87% | 1.01% | 3.92% | 5.72% | 11.10% | +1,297 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.12% | 0.03% | 0.00% | 1.93% | 0.16% | -195 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | 0.02% | -0.01% | -0.04% | -2 bps | |
| Allowance / Loans | 1.46% | 1.40% | 1.38% | 1.41% | 1.42% | -4 bps | |
| Allowance Coverage of NPLs | 0.7x | 48.5x | 278.0x | 0.7x | 8.8x | +8.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.02% | 12.38% | 11.17% | 11.27% | 12.02% | 0 bps | |
| Total Risk-Based Capital | 12.02% | 12.38% | 11.17% | 11.27% | 12.02% | 0 bps | |
| Equity / Assets | 12.02% | 12.01% | 10.92% | 11.63% | 11.61% | -41 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.88% | 73.75% | 67.68% | 71.55% | 70.23% | -365 bps | |
| Liquid Assets / Assets | 10.00% | 8.59% | 11.40% | 7.73% | 8.81% | -119 bps | |
| CRE / Total Capital | n/a | 272% | 281% | 293% | n/a | n/a | |