BanksNATIONAL BANK OF ANDREWS, THE

NATIONAL BANK OF ANDREWS, THE

ANDREWS, TXSmallEst. Nov. 12, 1945, midnightFDIC #17603RSSD #488653OCC
Latest · 2025-12-31

NATIONAL BANK OF ANDREWS, THE is an 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%. CET1 capital ratio: 12.21%, well above regulatory minimums. NPL ratio: 1.77% · Texas Ratio: 15.47%. Operates 3 domestic branches.

Assets
$322M
Deposits
$286M
Loans
$222M
Equity
$31M

Profitability

Return on Assets (ROA)1.38%
Return on Equity (ROE)13.83%
Net Interest Margin5.28%
Yield on Assets6.42%
Cost of Funds1.18%

Asset Quality

NPL Ratio1.77%
Net Charge-Off Ratio0.81%
Texas Ratio15.47%
NPA Ratio1.64%
ACL / Loans1.43%

Capital & Liquidity

CET1 Ratio12.21%
Tier 1 Capital12.21%
Total Capital Ratio13.46%
Leverage Ratio9.89%
Loan-to-Deposit77.58%

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