Anderson, TX · Cert 3075 · First Anderson Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 0.36% | 0.96% | 1.25% | 1.89% | 0.57% | 1.20% | 1.60% | +35 bps | |
| Return on Equity | 10.02% | 3.33% | 8.82% | 10.68% | 15.75% | 4.95% | 10.64% | 13.79% | +312 bps | |
| Net Interest Margin | 3.89% | 3.77% | 3.67% | 4.01% | 4.15% | 4.12% | 3.92% | 4.45% | +44 bps | |
| Efficiency Ratio | 63.75% | 90.10% | 66.77% | 64.40% | 55.58% | 86.34% | 63.38% | 57.22% | -719 bps | |
| Non-Interest Burden | 2.32% | 3.35% | 2.32% | 2.44% | 1.88% | 3.48% | 2.34% | 2.39% | -5 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 / Loans | 0.05% | 0.02% | 0.02% | 2.12% | 0.03% | 0.00% | 1.93% | 0.16% | -195 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.12% | 0.00% | -0.03% | -0.02% | 0.12% | -0.01% | -0.07% | -4 bps | |
| Allowance / Loans | 1.38% | 1.35% | 1.44% | 1.46% | 1.40% | 1.38% | 1.41% | 1.42% | -4 bps | |
| Allowance Coverage of NPLs | 30.3x | 61.6x | 93.8x | 0.7x | 48.5x | 278.0x | 0.7x | 8.8x | +8.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.84% | 11.10% | 11.34% | 12.02% | 12.38% | 11.17% | 11.27% | 12.02% | 0 bps | |
| Total Risk-Based Capital | 11.84% | 11.10% | 11.34% | 12.02% | 12.38% | 11.17% | 11.27% | 12.02% | 0 bps | |
| Equity / Assets | 11.21% | 10.42% | 11.45% | 12.02% | 12.01% | 10.92% | 11.63% | 11.61% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.71% | 70.59% | 73.40% | 73.88% | 73.75% | 67.68% | 71.55% | 70.23% | -365 bps | |
| Liquid Assets / Assets | 6.59% | 7.48% | 9.27% | 10.00% | 8.59% | 11.40% | 7.73% | 8.81% | -119 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 272% | 281% | 293% | n/a | n/a | |