NATIONAL BANK OF ANDREWS, THE

ANDREWS, TX | Small | Est. Nov. 12, 1945, midnight | FDIC #17603 | RSSD #488653 | OCC
Latest Report: 2025-12-31

NATIONAL BANK OF ANDREWS, THE is asn small FDIC-insured commercial bank headquartered in ANDREWS, TX, established in Nov. 12, 1945, midnight. As of 2025-12-31, the bank reported total assets of $322M and total deposits of $286M. Profitability stands at 1.38% ROA and 13.83% ROE, with a net interest margin of 5.28%. The bank's CET1 capital ratio is 12.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.77% and a Texas Ratio of 15.47%. FDIC Certificate #17603.

Assets

$322M

Deposits

$286M

Loans

$222M

Equity

$31M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 13.83%
Net Interest Margin (NIM) 5.28%
Yield on Assets 6.42%
Cost of Funds 1.18%

Asset Quality

NPL Ratio 1.77%
Net Charge-Off Ratio 0.81%
Texas Ratio 15.47%
NPA Ratio 1.64%
ACL / Loans 1.43%

Capital & Liquidity

CET1 Ratio 12.21%
Tier 1 Capital 12.21%
Total Capital Ratio 13.46%
Leverage Ratio 9.89%
Loan-to-Deposit 77.58%

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