The National Bank of Andrews: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at The National Bank of Andrews. It reported $341 million in assets at June 30, 2026, up 19.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.05% of loans from 2.75% a year earlier. It earns about $2.55 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.05 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Deposits are coming in faster than loans: over the year loans rose 3.8% and deposits rose 20.9%. Its $96 million commercial and industrial book is improving, with 3.39% past due or on nonaccrual, down from 6.02% a year earlier. Credit is the area to watch: it carries problem assets equal to 21.2% of the capital and reserves that would absorb them, 8.0 times the median of 2.6% for banks its size.
As of June 30, 2026, The National Bank of Andrews reported a CET1 capital ratio of 13.19%, a return on assets of 2.55%, a nonperforming-loan ratio of 3.05% and a Texas ratio of 21.21%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1501 N Main St, Andrews, TX 79714
- County
- Andrews
- Metro Area
- Andrews, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 12, 1945
- Former names
- The National Bank of Andrews (1995); First National Bank of Andrews (1956-1995)
- Offices
- 4 domestic
- Employees (FTE)
- 65
- Domestic deposits
- $298.2M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $303K
- Average total assets
- $340.1M
- Average total loans
- $226.6M
- Average interest-bearing deposits
- $176.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 18, 1956
- FDIC Cert
- 17603
- Fed RSSD
- 488653
- Website
- www.nbabankonline.com →
- Parent Holding Company
- ANDREWS BANCSHARES, INC. (RSSD 2348087)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The National Bank of Andrews terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The National Bank of Andrews, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
The National Bank of Andrews rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The National Bank of Andrews: ROA, Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.19% | 2.55% | 3.05% | 21.21% | 5.05% |
| Q1 2026 | 12.89% | 2.79% | 2.52% | 19.58% | 5.02% |
| Q4 2025 | 12.21% | 1.39% | 2.00% | 17.13% | 5.24% |
| Q3 2025 | 13.21% | 3.12% | 2.63% | 19.57% | 5.85% |
| Q2 2025 | 13.59% | 3.33% | 2.75% | 20.64% | 5.99% |
| Q1 2025 | 13.55% | 3.15% | 0.31% | 6.31% | 5.86% |
| Q4 2024 | 12.76% | 3.98% | 0.11% | 5.36% | 5.97% |
| Q3 2024 | 13.62% | 3.47% | 0.26% | 5.87% | 6.31% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The National Bank of Andrews | Andrews , TX | 79714 | $298.2M |
| Nba Motor Bank | Andrews , TX | 79714 | $0 |
| Lowe's Store Branch | Andrews , TX | 79714 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 2, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 1995 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The National Bank of Andrews, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 240 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $160K approved, $160K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The National Bank of Andrews
What are The National Bank of Andrews's total assets?
As of the Q2 2026 filing, The National Bank of Andrews reported total assets of $340.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The National Bank of Andrews headquartered?
The National Bank of Andrews is headquartered in Andrews, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The National Bank of Andrews founded?
The National Bank of Andrews was established in 1945, per the FDIC institution directory.
Is The National Bank of Andrews FDIC-insured?
Yes. The National Bank of Andrews is an FDIC-insured commercial bank (FDIC Certificate #17603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The National Bank of Andrews?
The National Bank of Andrews's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The National Bank of Andrews's CET1 capital ratio?
The National Bank of Andrews reported a Common Equity Tier 1 (CET1) capital ratio of 13.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The National Bank of Andrews operate?
The National Bank of Andrews operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The National Bank of Andrews's Texas Ratio?
The National Bank of Andrews's Texas Ratio is 21.21% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The National Bank of Andrews previously called?
The charter now named The National Bank of Andrews has also operated as The National Bank of Andrews (1995), First National Bank of Andrews (1956-1995), per FDIC structure-change records.
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