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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

$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