BlastPoint's Banking Scorecard

The National Bank of Andrews

$100M-$1B Specialty: Commercial TX FDIC cert 17603

Andrews, TX

4 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

The National Bank of Andrews has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 1.2% in tier
+ Deposit Franchise: Top 9.6% in tier
+ Return on Assets 1.58% above tier average
+ Efficiency Ratio 10.75% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.67% above tier average
- Nonperforming Asset Ratio 1.49% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$331.4M +14.7% YoY +3.1% QoQ	-$54.7M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	51%
Total Loans ?	$225.5M +8.8% YoY +3.3% QoQ	-$30.2M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	55%
Total Deposits ?	$292.2M +15.6% YoY +2.3% QoQ	-$35.8M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	53%
Return on Assets ?	2.84% -9.6% YoY +6.1% QoQ	+1.58%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 2.5% in tier
Net Interest Margin ?	5.19% -13.5% YoY -10.5% QoQ	+1.26%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 5.1% in tier
Efficiency Ratio ?	54.53% -5.3% YoY -3.5% QoQ	-10.75%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	2.56% +710.6% YoY +26.3% QoQ	+1.67%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 7.9% in tier
Loan-to-Deposit Ratio ?	77.18% -5.9% YoY +0.9% QoQ	+0.55%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	53%
Non-Interest-Bearing Deposit Share ?	39.45% -16.2% YoY -8.6% QoQ	+17.43%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 5.3% in tier
Nonperforming Asset Ratio ?	2.13% +180.5% YoY +18.8% QoQ	+1.49%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 5.8% in tier
Tier 1 Capital Ratio ?	12.89% -4.8% YoY +5.6% QoQ	-2.94%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.48% -6.7% YoY -75.0% QoQ	+0.20%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 3.5% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#9 of 666 • Top 1.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.48%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.84%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#27 of 272 • Top 9.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 39.45%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.19%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.84%

Peer Median: 1.27%

#67 of 2664 Top 2.5% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.48%

Peer Median: 0.28%

#94 of 2664 Top 3.5% in $100M-$1B

136

Net Interest Margin

profitability

Value: 5.19%

Peer Median: 3.93%

#136 of 2664 Top 5.1% in $100M-$1B

142

Non-Interest-Bearing Deposit Share

funding

Value: 39.45%

Peer Median: 22.02%

#142 of 2664 Top 5.3% in $100M-$1B

Top Weaknesses (2 metrics)

2511

Nonperforming Asset Ratio

credit_quality

Value: 2.13%

Peer Median: 0.64%

#2511 of 2664 Bottom 5.8% in $100M-$1B

2446

Delinquency Rate

credit_quality

Value: 2.56%

Peer Median: 0.89%

#2446 of 2654 Bottom 7.9% in $100M-$1B