PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Anson, The

Anson, TX · Cert 3078 · Anson Bancshares Inc.

National charter · OCC · 1 branch

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

51

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

76

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 Anson, The

Anson, TX · Cert 3078 · Anson Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$105.2MAssets
$41.2MLoans
$97.2MDeposits
$7.8MEquity
Loan mix
59%RE $23.2M19%C&I $7.4M22%Consumer $8.8MQ2 2025Q2 2026
Deposit mix
54%Interest-bearing $52.3M46%Noninterest $44.8MQ2 2025Q2 2026

NIM

6.23%Q2 ’246.05%Q2 ’255.45%Q2 ’26-3%-18%

Non-interest income vs. expense

3.70%Q2 ’243.30%Q2 ’252.70%Q2 ’26-13%-16%

Market Position · Abilene, TX · 2026 SOD (annual) · 1.8% share · #7 of 18 inst. · $0.1B of $5.5B

Executive Summary

  • Earnings: ROA of 2.00%, up 3 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.26% of loans (-59 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 7.84%, down 219 bps from a year ago.
  • Funding: loans stand at 42.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.00%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.55%-100 bps YoY

Efficiency Ratio (YTD, annualized)

52.97%+35 bps YoY

Tier 1 Leverage Ratio

7.84%-219 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.98%1.50%1.56%1.99%2.00%+3 bps
Return on Equity22.13%17.54%18.41%26.65%26.86%+473 bps
Net Interest Margin5.55%4.99%4.62%4.70%4.55%-100 bps
Efficiency Ratio52.62%63.59%63.50%51.58%52.97%+35 bps
Non-Interest Burden2.58%2.94%2.74%2.18%2.15%-42 bps
Growth
Asset Growth (YoY)22.55%37.08%35.36%58.33%21.26%-129 bps
Loan Growth (YoY)0.63%2.07%4.30%-2.70%-9.05%-968 bps
Deposit Growth (YoY)26.61%39.81%37.48%63.02%22.54%-407 bps
Asset Quality
Nonperforming Loans / Loans0.84%0.31%0.32%0.47%0.26%-59 bps
Net Charge-Offs / Loans-0.03%0.18%0.17%0.27%0.20%+24 bps
Allowance / Loans2.24%2.08%2.05%2.11%2.16%-8 bps
Allowance Coverage of NPLs2.7x6.7x6.3x4.5x8.4x+5.7x
Capital
Tier 1 Leverage Ratio10.03%8.95%8.09%8.16%7.84%-219 bps
Total Risk-Based Capital17.16%17.65%17.30%19.19%19.56%+239 bps
Equity / Assets8.23%7.76%8.07%6.97%7.43%-80 bps
Liquidity & Funding
Loans / Deposits57.05%51.25%51.63%40.86%42.34%-1,471 bps
Liquid Assets / Assets12.03%10.13%6.95%16.08%9.59%-245 bps
CRE / Total Capitaln/a53.19%57.87%47.48%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 Anson, The

Anson, TX · Cert 3078 · Peer group: banks under $1B in assets in TX (n=208-211) · Anson Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$105.2MAssets
$41.2MLoans
$97.2MDeposits
$7.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 98% of banks under $1B in assets in TX (rank 4 of 211).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets in TX (rank 197 of 211).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.99%

Rank 20 of 211

Net Interest Margin

4.55%

Rank 37 of 211

Efficiency Ratio

52.97%

Rank 52 of 211

Equity / Assets

7.43%

Rank 197 of 211

Non-interest income vs. expense

$0.6M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 76% of banks under $1B in assets in TX
Bank 52.97%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.99%0.87%1.20%1.65%Beats 91%20 / 211
Return on Equity26.82%7.52%11.67%14.58%Beats 98%4 / 211
Net Interest Margin4.55%3.28%3.82%4.31%Beats 82%37 / 211
Efficiency Ratio52.97%53.01%64.18%73.65%Beats 76%52 / 211
Asset Quality
Nonperforming Loans / Loans0.26%0.01%0.30%1.10%Beats 53%99 / 208
Net Charge-Offs / Loans0.21%0.00%0.01%0.06%Beats 8%193 / 208
Capital
Tier 1 Capital Ratio18.30%11.72%14.45%19.57%Beats 72%59 / 211
Total Risk-Based Capital Ratio19.56%11.94%14.78%20.30%Beats 73%57 / 211
Equity / Assets7.43%9.41%11.06%12.94%Beats 7%197 / 211
Liquidity & Funding
Loans / Deposits42.34%45.39%66.56%82.03%20th pctl167 / 208
Loans / Assets39.12%39.13%56.90%70.46%24th pctl160 / 211
Brokered Deposits / Depositsn/aNot reported for this institution