BlastPoint's Banking Scorecard
The First National Bank of Anderson
Micro
Specialty: Commercial
TX
FDIC cert 3075
Designations: ✓ Community bank
Anderson, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Anderson demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.48% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$234.0M
+4.5% YoY
+7.0% QoQ
|
+$16.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$138.9M
-0.4% YoY
-0.5% QoQ
|
-$263K |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$208.1M
+3.9% YoY
+8.4% QoQ
|
+$24.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.15%
+28.4% YoY
-15.5% QoQ
|
+0.06% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
4.21%
+3.9% YoY
+1.3% QoQ
|
+0.35% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
68.41%
-3.3% YoY
+10.6% QoQ
|
+0.68% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.01%
-77.3% YoY
-82.8% QoQ
|
-0.63% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
66.74%
-4.1% YoY
-8.2% QoQ
|
-7.78% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
37.87%
+8.1% YoY
-4.1% QoQ
|
+15.48% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-78.4% YoY
-84.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.54%
+29.5% YoY
+24.0% QoQ
|
-0.03% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.87%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.87% · Tier avg: 22.39%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
72
72th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
68
68th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.85%
62
62th pctile
Total Deposits
Current: $208.1M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $234.0M · Tier avg: $217.5M
57
57th pctile
Total Loans
Current: $138.9M · Tier avg: $139.2M
55
55th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Efficiency Ratio
Current: 68.41% · Tier avg: 67.73%
34
34th pctile
Loan-to-Deposit Ratio
Current: 66.74% · Tier avg: 74.53%
Top Weaknesses
34
34th pctile
Loan-to-Deposit Ratio
Current: 66.74% · Tier avg: 74.53%
44
44th pctile
Efficiency Ratio
Current: 68.41% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
57
57th pctile
Total Loans
Current: $138.9M · Tier avg: $139.2M
59
59th pctile
Total Assets
Current: $234.0M · Tier avg: $217.5M
62
62th pctile
Total Deposits
Current: $208.1M · Tier avg: $183.7M
68
68th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.85%
72
72th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
82
82th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.87% · Tier avg: 22.39%