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The First National Bank of Anson

$100M-$1B Specialty: Other TX FDIC cert 3078

Anson, 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 +22.5% year over year ($97.2M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 2.55%.
  • Efficiency ratio 52.97% vs a 64.48% peer average.
  • Loan-to-deposit ratio 41.43% 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 Anson shows strong momentum with 4 strengths and 21.3% 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 15.5% in tier
  • + Profitability Leader: Top 39.5% in tier
  • + Efficiency Ratio 11.51% below tier average
  • + Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $105.2M
+21.3% YoY -6.6% QoQ
-$281.4M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 1.3% in tier
Total Loans ? $40.3M
-9.0% YoY -3.7% QoQ
-$218.1M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 1.5% in tier
Total Deposits ? $97.2M
+22.5% YoY -7.1% QoQ
-$229.5M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Bottom 4.8% in tier
Return on Assets ? 2.55%
+1.6% YoY +0.7% QoQ
+1.23% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 4.2% in tier
Net Interest Margin ? 4.96%
-16.5% YoY -0.2% QoQ
+0.98% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 8.5% in tier
Efficiency Ratio ? 52.97%
+0.7% YoY +2.7% QoQ
-11.51% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
77%
Delinquency Rate ? 0.26%
-69.5% YoY -44.7% QoQ
-0.66% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 41.43%
-25.7% YoY +3.6% QoQ
-36.52% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 4.6% in tier
Non-Interest-Bearing Deposit Share ? 46.14%
+1.6% YoY -1.2% QoQ
+24.11% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 2.5% in tier
Nonperforming Asset Ratio ? 0.10%
-77.1% YoY -43.0% QoQ
-0.57% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 18.30%
+15.0% YoY +2.0% QoQ
+2.39% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.28%
-10.5% YoY +133.1% QoQ
-0.29% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
68%

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 46.1%
+0.7pp YoY
-0.6pp QoQ
 +24.0pp 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 16.0%
-2.8pp YoY
-1.7pp QoQ
 +4.5pp 11.6% 14.8% 12.5% 79%
CRE n/a n/a 39.5% 48.4% 41.4% n/a
1-4 Family 40.2%
+4.4pp YoY
+2.0pp QoQ
 +7.6pp 32.6% 25.8% 31.3% 70%
Consumer 20.6%
-1.0pp YoY
-0.3pp QoQ
 +16.5pp 4.1% 4.7% 5.0% 98%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 18.3%
+2.4pp YoY
+0.4pp QoQ
 -0.5pp 18.8% 22.7% 19.7% 71%
Leverage Ratio 7.8%
-2.2pp YoY
-0.3pp QoQ
 -4.3pp 12.2% 12.6% 12.6% 2%
Total Capital Ratio 19.6%
+2.4pp YoY
+0.4pp QoQ
 -0.4pp 19.9% 23.8% 20.8% 72%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 16
+1 (+6.7%) YoY
+1 (+6.7%) QoQ
 -43 58 186 482 5%
Assets per Employee ($) $6.6M
+13.7% YoY
-12.4% QoQ
 -$943K $7.5M $10.1M $8.8M 44%
Branch Count 1
0 YoY
0 QoQ
 -4 4 12 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.6pp YoY
-0.2pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 20%
Nonaccrual 0.3%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.0% 1.0% 34%
Allowance Coverage 8.41x
+216.4% YoY
+85.2% QoQ
 -15.75x 24.15x 18.82x 20.23x 79%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 85%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 34.2%
+6.1pp YoY
+0.3pp QoQ
 +22.0pp 12.2% 13.2% 11.6% 99%
Cost of Funds (YTD) 1.0%
+0.4pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.6% 1.7% 10%
Net Income ($, YTD) $1.3M
+39.4% YoY
— QoQ
 -$1.2M $2.6M $15.9M $40.4M 37%

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)

Deposit Franchise

growth
#44 of 278 • Top 15.5% 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: 46.14%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.96%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Profitability Leader

growth
#262 of 661 • Top 39.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.55%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

68
Non-Interest-Bearing Deposit Share
funding
Value: 46.14%
Peer Median: 22.03%
#68 of 2643 Top 2.5% in $100M-$1B
112
Return on Assets
profitability
Value: 2.55%
Peer Median: 1.32%
#112 of 2643 Top 4.2% in $100M-$1B
123
Loan-to-Deposit Ratio
liquidity
Value: 41.43%
Peer Median: 77.95%
#123 of 2643 Top 4.6% in $100M-$1B
226
Net Interest Margin
profitability
Value: 4.96%
Peer Median: 3.99%
#226 of 2643 Top 8.5% in $100M-$1B
477
Tier 1 Capital Ratio
capital
Value: 18.30%
Peer Median: 15.91%
#477 of 2643 Top 18.0% in $100M-$1B
611
Efficiency Ratio
profitability
Value: 52.97%
Peer Median: 64.48%
#611 of 2643 Top 23.1% in $100M-$1B

Top Weaknesses (3 metrics)

2609
Total Assets
size
Value: $105.21M
Peer Median: $386.57M
#2609 of 2643 Bottom 1.3% in $100M-$1B
2604
Total Loans
size
Value: $40.27M
Peer Median: $258.35M
#2604 of 2643 Bottom 1.5% in $100M-$1B
2516
Total Deposits
size
Value: $97.20M
Peer Median: $326.73M
#2516 of 2643 Bottom 4.8% in $100M-$1B
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