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The First National Bank of Anderson

$100M-$1B Specialty: Commercial TX FDIC cert 3075

Anderson, TX

2 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 +11.1% year over year ($203.2M on the books).
  • Delinquency rate 0.16%.
  • Return on assets 1.39%.
  • Efficiency ratio 60.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 69.23% 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 First National Bank of Anderson shows strong momentum with 4 strengths and 10.6% YoY asset growth

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

  • + Deposit Franchise: Top 54.0% in tier
  • + ROA 0.07% above tier average
  • + Efficiency Ratio 4.31% below tier average
  • + Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The First National Bank of Anderson releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $230.4M
+10.6% YoY +2.9% QoQ
-$156.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $140.7M
+5.7% YoY +1.0% QoQ
-$117.7M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $203.2M
+11.1% YoY +2.9% QoQ
-$123.5M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 1.39%
+26.3% YoY +16.1% QoQ
+0.07% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
59%
Net Interest Margin ? 4.45%
+8.7% YoY +4.7% QoQ
+0.46% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
77%
Efficiency Ratio ? 60.17%
-8.2% YoY -5.1% QoQ
-4.31% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
57%
Delinquency Rate ? 0.16%
-92.3% YoY -91.6% QoQ
-0.75% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
68%
Loan-to-Deposit Ratio ? 69.23%
-4.9% YoY -1.9% QoQ
-8.72% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
70%
Non-Interest-Bearing Deposit Share ? 44.42%
+17.9% YoY +8.9% QoQ
+22.39% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 2.9% in tier
Nonperforming Asset Ratio ? 0.10%
-92.7% YoY -91.7% QoQ
-0.57% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 12.02%
+0.0% YoY +6.7% QoQ
-3.89% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.19%
-10.0% YoY +89.6% QoQ
-0.38% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
47%

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 44.4%
+6.7pp YoY
+3.6pp QoQ
 +22.3pp 22.1% 29.2% 22.2% 97%
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 6.8%
-0.4pp YoY
+0.4pp QoQ
 -4.7pp 11.6% 14.8% 12.5% 32%
CRE 51.1%
+0.3pp YoY
-4.4pp QoQ
 +11.5pp 39.5% 48.4% 41.4% 72%
1-4 Family 23.7%
-1.6pp YoY
+0.7pp QoQ
 -8.9pp 32.6% 25.8% 31.3% 38%
Consumer 5.1%
+0.9pp YoY
+1.2pp QoQ
 +1.0pp 4.1% 4.7% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 12.0%
0.0pp YoY
+0.8pp QoQ
 -0.2pp 12.2% 12.6% 12.6% 65%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 48
+1 (+2.1%) YoY
0 QoQ
 -11 58 186 482 50%
Assets per Employee ($) $4.8M
+8.3% YoY
+2.9% QoQ
 -$2.7M $7.5M $10.1M $8.8M 12%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-2.0pp YoY
 -0.2pp 0.3% 0.3% 0.4% 61%
Nonaccrual 0.0%
0.0pp YoY
-2.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 0%
Allowance Coverage 8.76x
+1165.3% YoY
+1096.2% QoQ
 -15.39x 24.15x 18.82x 20.23x 80%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 6%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 12.2%
+2.5pp YoY
+1.6pp QoQ
 0.0pp 12.2% 13.2% 11.6% 51%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
-0.1pp QoQ
 -0.5pp 1.7% 1.6% 1.7% 20%
Net Income ($, YTD) $1.6M
+35.1% YoY
— QoQ
 -$959K $2.6M $15.9M $40.4M 44%

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 (1)

Deposit Franchise

growth
#151 of 278 • Top 54.0% 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: 44.42%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.45%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

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

Top Strengths (2 metrics)

78
Non-Interest-Bearing Deposit Share
funding
Value: 44.42%
Peer Median: 22.03%
#78 of 2643 Top 2.9% in $100M-$1B
596
Net Interest Margin
profitability
Value: 4.45%
Peer Median: 3.99%
#596 of 2643 Top 22.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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