The First National Bank of Anderson
Also written as FNB of Anderson
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Anderson is an FDIC-insured commercial bank headquartered in Anderson, TX, established in 1904 (FDIC certificate 3075), and it is supervised by the OCC. At Q2 2026 it reported total assets of $230.4M, up 10.6% from Q2 2025, the 241st largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.02% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3075
- Headquarters
- Anderson, TX
- Established
- 1904
- Total assets, Q2 2026
- $230.4M
- Assets vs Q2 2025
- +10.6%
- Tier 1 leverage ratio, Q2 2026
- 12.02%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 113109131
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Anderson Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- FIRST ANDERSON BANCSHARES, INC.
- Asset rank in state
- 241st of 346 in Texas
The First National Bank of Anderson, based in Anderson, Texas, reported $230 million in assets at June 30, 2026, up 10.6% from a year earlier. It pays an average of 1.17% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also grew deposits 11.1% over the year, about triple the median of 4.0% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.16% of loans from 2.12%. Earnings jumped: net income for the quarter was $910,000, 39% above the same quarter a year earlier.
As of June 30, 2026, The First National Bank of Anderson reported a return on assets of 1.60%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 0.81%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The First National Bank of Anderson is the 241st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.9% to $230.4M, loans rose 1.0% and deposits rose 2.9%. Owner-occupied commercial real estate loans made up 25.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.4%. The FDIC Summary of Deposits lists 2 offices for it, in Anderson, TX and Navasota, TX; its Anderson office books 72% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Anderson meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1071 Highway 90 S, Anderson, TX 77830
- County
- Grimes
- 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
- July 5, 1904
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $203.2M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$26K
- Average total assets
- $226.8M
- Average total loans
- $138.2M
- Average interest-bearing deposits
- $115.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3075
- Fed RSSD
- 362155
- Website
- http://www.fnbanderson.com →
- Parent Holding Company
- FIRST ANDERSON BANCSHARES, INC. (RSSD 1108323)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Anderson reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First National Bank of Anderson's total assets moved between a low of $207.3M (Q3 2023) and a high of $234.0M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$230.4M total assets against $208.3M; $203.6M total liabilities against $183.3M.
$140.7M net loans and leases against $133.1M; $203.2M total deposits against $182.9M.
$52.9M securities against $37.0M; $31.2M cash and balances due against $32.2M.
$3.1M total interest income against $2.8M; $588K total interest expense against $660K.
$2.5M net interest income against $2.1M.
$213K total noninterest income against $220K; $1.6M total noninterest expense against $1.5M.
$15K provision for credit losses against $0.
$910K net income against $657K.
1.60% return on assets against 1.24%; 4.64% net interest margin against 4.20%.
12.02% tier 1 leverage ratio against 12.02%.
Inside the full The First National Bank of Anderson terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Anderson rankings
Its closest position to the top of a national ranking is 1,091 of 3,611, for ROA; its furthest is 2,799 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.36% (Q4 2024) to 1.89% (Q3 2025) and its net interest margin ran from 3.86% (Q1 2025) to 4.64% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.02% | 1.60% | 0.16% | 0.81% | 4.64% |
| Q1 2026 | 11.27% | 1.17% | 1.93% | 9.71% | 4.09% |
| Q4 2025 | 11.17% | 0.56% | 0.00% | 0.03% | 4.28% |
| Q3 2025 | 12.38% | 1.89% | 0.03% | 0.15% | 4.30% |
| Q2 2025 | 12.02% | 1.24% | 2.12% | 10.59% | 4.20% |
| Q1 2025 | 11.34% | 0.96% | 0.02% | 0.08% | 3.86% |
| Q4 2024 | 11.10% | 0.36% | 0.02% | 0.12% | 3.94% |
| Q3 2024 | 11.84% | 1.12% | 0.05% | 0.24% | 4.07% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Anderson | Anderson , TX | 77830 | $145.7M |
| First National Bank of Anderson Branch | Navasota , TX | 77868 | $57.5M |
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 |
|---|---|---|---|
| January 26, 1990 | Structure Change | Acquired Farmers State Bank of Shiro, Texas Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 25, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 293 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Anderson
What are The First National Bank of Anderson's total assets?
As of the Q2 2026 filing, The First National Bank of Anderson reported total assets of $230.4 million in its FFIEC call report.
Where is The First National Bank of Anderson headquartered?
It is headquartered in Anderson, TX, United States.
When was The First National Bank of Anderson founded?
It was established in 1904, per the FDIC institution directory.
Is The First National Bank of Anderson FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3075). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Anderson?
The First National Bank of Anderson's primary federal regulator is the OCC.
How many branches does The First National Bank of Anderson operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Anderson's Texas Ratio?
Its Texas Ratio is 0.81% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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