The National Bank of Andrews
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Data as of · sourced from FFIEC call reports. How we update
The National Bank of Andrews is an FDIC-insured commercial bank headquartered in Andrews, TX, supervised by the OCC, with $340.5M in total assets at Q2 2026, up 19.2% from Q2 2025, the 197th largest of 346 banks headquartered in Texas. It was established in 1945 and holds FDIC certificate 17603. Its CET1 capital ratio was 13.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 17603
- Headquarters
- Andrews, TX
- Established
- 1945
- Total assets, Q2 2026
- $340.5M
- Assets vs Q2 2025
- +19.2%
- CET1 ratio, Q2 2026
- 13.19%
- Domestic offices
- 4 · The National Bank of Andrews branches FDIC institution directory, current count
- Routing number
- 112311713
- Safety and soundness
- Is The National Bank of Andrews safe?
- Latest call report
- Q2 2026, FFIEC 051 · The National Bank of Andrews Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- ANDREWS BANCSHARES, INC.
- Asset rank in state
- 197th of 346 in Texas
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 2,627 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 3.96 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 2.7% 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%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The National Bank of Andrews is the 197th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.8% to $340.5M, loans fell 2.9% and deposits rose 2.1%. Commercial and industrial loans made up 43.1% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 26.0%. Its 3 offices in the FDIC Summary of Deposits are in Andrews, TX. On its Q2 2026 call report, The National Bank of Andrews meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 4 FDIC institution directory, current count
- 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
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. How we compute these figures
Quarterly trends
The National Bank of Andrews's total assets moved between a low of $285.7M (Q2 2025) and a high of $340.5M (Q2 2026) 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
$340.5M total assets against $285.7M; $307.0M total liabilities against $253.5M.
$218.9M net loans and leases against $210.3M; $298.2M total deposits against $246.7M.
$49.6M securities against $40.3M; $44.8M cash and balances due against $11.8M.
$4.8M total interest income against $4.5M; $921K total interest expense against $552K.
$3.9M net interest income against $3.9M.
$2.2M total noninterest income against $1.5M; $3.8M total noninterest expense against $2.9M.
$150K provision for credit losses against $150K.
$2.2M net income against $2.4M.
2.55% return on assets against 3.33%; 5.05% net interest margin against 5.99%.
13.19% CET1 capital ratio against 13.59%; 10.11% tier 1 leverage ratio against 11.79%.
Inside the full The National Bank of Andrews terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 146 of 3,640, for Texas Ratio; its furthest is 1,337 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.39% (Q4 2025) to 3.98% (Q4 2024) and its net interest margin ran from 5.02% (Q1 2026) to 6.31% (Q3 2024).
| 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
View all 3 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 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 240 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 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.
Where is The National Bank of Andrews headquartered?
It is headquartered in Andrews, TX, United States.
When was The National Bank of Andrews founded?
It was established in 1945, per the FDIC institution directory.
Is The National Bank of Andrews FDIC-insured?
Yes. It 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.
What is The National Bank of Andrews's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 21.21% 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.
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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