Santa Anna National Bank, The
Santa Anna, TX · Cert 5520 · Peer group: banks under $1B in assets in TX (n=225-228)
FDIC · 1 branch
Q1 2025
$76.9MAssets
$41.2MLoans
$71.4MDeposits
$5.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 97% of banks under $1B in assets in TX (rank 6 of 225).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in TX (rank 228 of 228).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.71%
Rank 37 of 228
Net Interest Margin
4.07%
Rank 66 of 228
Efficiency Ratio
52.87%
Rank 41 of 228
Equity / Assets
6.51%
Rank 208 of 228
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 82% 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 | 1.71% | 0.76% | 1.09% | 1.48% | Beats 84% | 37 / 228 | | |
| Return on Equity | 26.27% | 6.96% | 10.63% | 14.91% | Beats 97% | 6 / 225 | | |
| Net Interest Margin | 4.07% | 3.07% | 3.63% | 4.25% | Beats 71% | 66 / 228 | | |
| Efficiency Ratio | 52.87% | 55.39% | 65.15% | 74.18% | Beats 82% | 41 / 228 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.01% | 0.22% | 0.67% | Beats 33% | 151 / 225 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 35% | 149 / 225 | | |
| Capital |
| Tier 1 Capital Ratio | 8.62% | 11.65% | 14.55% | 19.25% | Beats 0% | 228 / 228 | | |
| Total Risk-Based Capital Ratio | 8.62% | 11.69% | 14.89% | 20.30% | Beats 0% | 228 / 228 | | |
| Equity / Assets | 6.51% | 8.58% | 10.37% | 12.02% | Beats 9% | 208 / 228 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.66% | 47.92% | 67.81% | 82.04% | 35th pctl | 146 / 225 | | |
| Loans / Assets | 53.49% | 42.11% | 58.88% | 69.86% | 39th pctl | 138 / 225 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |