BlastPoint's Banking Scorecard

The First National Bank of Anderson

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

Anderson, TX

2 branches across TX

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

The First National Bank of Anderson has 3 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

+ Non-Interest-Bearing Deposit Share 18.78% above tier average
+ Net Interest Margin 0.32% above tier average
+ Efficiency Ratio 1.91% below tier average

Key Concerns

Areas that may need attention

- ROA 0.07% below tier average
- Delinquency Rate 1.07% above tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$223.9M +6.0% YoY -4.3% QoQ	-$162.2M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	32%
Total Loans ?	$139.3M +3.1% YoY +0.3% QoQ	-$116.4M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	32%
Total Deposits ?	$197.4M +5.7% YoY -5.1% QoQ	-$130.5M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	33%
Return on Assets ?	1.20% +24.4% YoY +4.6% QoQ	-0.07%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	50%
Net Interest Margin ?	4.25% +8.3% YoY +1.0% QoQ	+0.32%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	70%
Efficiency Ratio ?	63.38% -5.1% YoY -7.4% QoQ	-1.91%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	1.95%	+1.07%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 13.0% in tier
Loan-to-Deposit Ratio ?	70.54% -2.5% YoY +5.7% QoQ	-6.09%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	66%
Non-Interest-Bearing Deposit Share ?	40.80% +6.3% YoY +7.7% QoQ	+18.78%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 4.1% in tier
Nonperforming Asset Ratio ?	1.22%	+0.58%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	15%
Tier 1 Capital Ratio ?	11.27% -0.7% YoY +0.9% QoQ	-4.56%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.10% -3.5% YoY -81.3% QoQ	-0.18%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	52%

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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 (0)

No matched strength signatures this quarter

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 (1 metrics)

110

Non-Interest-Bearing Deposit Share

funding

Value: 40.80%

Peer Median: 22.02%

#110 of 2664 Top 4.1% in $100M-$1B

Top Weaknesses (2 metrics)

2311

Delinquency Rate

credit_quality

Value: 1.95%

Peer Median: 0.89%

#2311 of 2654 Bottom 13.0% in $100M-$1B

2256

Nonperforming Asset Ratio

credit_quality

Value: 1.22%

Peer Median: 0.64%

#2256 of 2664 Bottom 15.4% in $100M-$1B