BlastPoint's Banking Scorecard
The National Bank of Andrews
Micro
Specialty: Commercial
TX
FDIC cert 17603
Designations: ✓ Community bank
Andrews, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The National Bank of Andrews has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.60% above tier
- + Net Interest Margin 1.95% above tier
- + Non-Interest-Bearing Deposit Share 20.79% above tier
- + Non-Interest Income / Assets 1.34% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.34% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$321.5M
+9.8% YoY
+1.7% QoQ
|
+$104.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$218.4M
+6.8% YoY
+1.8% QoQ
|
+$79.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$285.5M
+9.8% YoY
+2.5% QoQ
|
+$101.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
2.68%
-21.5% YoY
-14.6% QoQ
|
+1.60% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.80%
-4.7% YoY
-2.2% QoQ
|
+1.95% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
56.49%
+7.2% YoY
+1.0% QoQ
|
-11.24% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
2.03%
-24.2% QoQ
|
+1.39% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
76.47%
-2.7% YoY
-0.6% QoQ
|
+1.95% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
43.19%
-2.4% YoY
-4.6% QoQ
|
+20.79% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
1.79%
+205.6% YoY
-19.9% QoQ
|
+1.34% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
12.21%
-4.3% YoY
-7.6% QoQ
|
+3.36% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
1.90%
-9.8% YoY
+30.3% QoQ
|
+1.34% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.68%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.80%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
43.19%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.90%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.79%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Return on Assets
Current: 2.68% · Tier avg: 1.08%
97
97th pctile
Net Interest Margin
Current: 5.80% · Tier avg: 3.85%
97
97th pctile
Non-Interest Income / Assets
Current: 1.90% · Tier avg: 0.56%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.19% · Tier avg: 22.39%
79
79th pctile
Total Deposits
Current: $285.5M · Tier avg: $183.7M
78
78th pctile
Total Loans
Current: $218.4M · Tier avg: $139.2M
77
77th pctile
Efficiency Ratio
Current: 56.49% · Tier avg: 67.73%
76
76th pctile
Total Assets
Current: $321.5M · Tier avg: $217.5M
59
59th pctile
Tier 1 Capital Ratio
Current: 12.21% · Tier avg: 8.85%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.47% · Tier avg: 74.53%
13
13th pctile
Delinquency Rate
Current: 2.03% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.79% · Tier avg: 0.45%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.79% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 2.03% · Tier avg: 0.64%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.47% · Tier avg: 74.53%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.21% · Tier avg: 8.85%
76
76th pctile
Total Assets
Current: $321.5M · Tier avg: $217.5M
77
77th pctile
Efficiency Ratio
Current: 56.49% · Tier avg: 67.73%
78
78th pctile
Total Loans
Current: $218.4M · Tier avg: $139.2M
79
79th pctile
Total Deposits
Current: $285.5M · Tier avg: $183.7M
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.19% · Tier avg: 22.39%
97
97th pctile
Non-Interest Income / Assets
Current: 1.90% · Tier avg: 0.56%
97
97th pctile
Net Interest Margin
Current: 5.80% · Tier avg: 3.85%
97
97th pctile
Return on Assets
Current: 2.68% · Tier avg: 1.08%