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The National Bank of Andrews

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

Andrews, TX

4 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +20.9% year over year ($298.2M on the books).
  • Delinquency rate 3.10%.
  • Return on assets 2.71%.
  • Efficiency ratio 58.50% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.41% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (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 1.1% in tier
  • + Deposit Franchise: Top 9.7% in tier
  • + Return on Assets 1.39% above tier average
  • + Efficiency Ratio 5.98% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 26.7% in tier
  • - Nonperforming Asset Ratio 1.60% above tier average
Get updates when The National Bank of Andrews releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $340.5M
+19.2% YoY +2.8% QoQ
-$46.0M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $218.9M
+4.1% YoY -2.9% QoQ
-$39.4M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $298.2M
+20.9% YoY +2.1% QoQ
-$28.5M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
55%
Return on Assets ? 2.71%
-15.6% YoY -4.7% QoQ
+1.39% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 3.3% in tier
Net Interest Margin ? 5.15%
-14.5% YoY -0.8% QoQ
+1.16% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 6.1% in tier
Efficiency Ratio ? 58.50%
+4.8% YoY +7.3% QoQ
-5.98% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 3.10%
+10.7% YoY +20.9% QoQ
+2.18% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 5.9% in tier
Loan-to-Deposit Ratio ? 73.41%
-13.9% YoY -4.9% QoQ
-4.54% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 41.20%
-14.6% YoY +4.4% QoQ
+19.17% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 3.8% in tier
Nonperforming Asset Ratio ? 2.27%
-11.7% YoY +6.4% QoQ
+1.60% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 5.6% in tier
Tier 1 Capital Ratio ? 13.19%
-3.0% YoY +2.3% QoQ
-2.72% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 1.11%
+5.4% YoY +133.4% QoQ
+0.55% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 2.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 41.2%
-7.0pp YoY
+1.8pp QoQ
 +19.1pp 22.1% 29.2% 22.2% 96%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 43.8%
-4.7pp YoY
-3.9pp QoQ
 +32.2pp 11.6% 14.8% 12.5% 99%
CRE 38.4%
+3.7pp YoY
+2.7pp QoQ
 -1.2pp 39.5% 48.4% 41.4% 50%
1-4 Family 14.4%
+0.5pp YoY
+0.6pp QoQ
 -18.3pp 32.6% 25.8% 31.3% 18%
Consumer 4.3%
+0.1pp YoY
+0.3pp QoQ
 +0.2pp 4.1% 4.7% 5.0% 72%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 13.2%
-0.4pp YoY
+0.3pp QoQ
 -5.6pp 18.8% 22.7% 19.7% 31%
Leverage Ratio 10.1%
-1.7pp YoY
0.0pp QoQ
 -2.1pp 12.2% 12.6% 12.6% 34%
Total Capital Ratio 14.4%
-0.4pp YoY
+0.3pp QoQ
 -5.5pp 19.9% 23.8% 20.8% 32%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 65
+7 (+12.1%) YoY
+3 (+4.8%) QoQ
 +6 58 186 482 67%
Assets per Employee ($) $5.2M
+6.4% YoY
-2.0% QoQ
 -$2.3M $7.5M $10.1M $8.8M 18%
Branch Count 4
0 YoY
0 QoQ
 -1 4 12 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 1.6%
-1.1pp YoY
+0.8pp QoQ
 +1.3pp 0.3% 0.3% 0.4% 96%
Nonaccrual 1.5%
+1.4pp YoY
-0.3pp QoQ
 +0.5pp 0.9% 1.0% 1.0% 81%
Allowance Coverage 0.48x
-24.0% YoY
-17.6% QoQ
 -23.67x 24.15x 18.82x 20.23x 9%
Net Charge-off Rate (YTD) 0.3% +0.1pp 0.1% 0.1% 0.2% 89%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 27.6%
-2.4pp YoY
-1.4pp QoQ
 +15.4pp 12.2% 13.2% 11.6% 98%
Cost of Funds (YTD) 1.2%
+0.4pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.6% 1.7% 21%
Net Income ($, YTD) $4.5M
-3.4% YoY
— QoQ
 +$1.9M $2.6M $15.9M $40.4M 84%

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
#8 of 661 • Top 1.1% 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: 1.11%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.71%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Deposit Franchise

growth
#28 of 278 • Top 9.7% 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: 41.20%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.15%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (1)

Credit Risk Growth

risk
#251 of 936 • Bottom 26.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

77
Non-Interest Income / Assets
revenue_mix
Value: 1.11%
Peer Median: 0.57%
#77 of 2643 Top 2.9% in $100M-$1B
87
Return on Assets
profitability
Value: 2.71%
Peer Median: 1.32%
#87 of 2643 Top 3.3% in $100M-$1B
102
Non-Interest-Bearing Deposit Share
funding
Value: 41.20%
Peer Median: 22.03%
#102 of 2643 Top 3.8% in $100M-$1B
162
Net Interest Margin
profitability
Value: 5.15%
Peer Median: 3.99%
#162 of 2643 Top 6.1% in $100M-$1B

Top Weaknesses (2 metrics)

2495
Nonperforming Asset Ratio
credit_quality
Value: 2.27%
Peer Median: 0.67%
#2495 of 2643 Bottom 5.6% in $100M-$1B
2479
Delinquency Rate
credit_quality
Value: 3.10%
Peer Median: 0.92%
#2479 of 2633 Bottom 5.9% in $100M-$1B
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