TellerScore

The First National Bank of Anderson is a national bank headquartered in Anderson, Texas, in business for about 122 years. At the end of Q2 2026 it reported $230.4M in total assets and $203.2M in deposits, with 2 offices.

The First National Bank of Anderson has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 84th. Problem-loan coverage contributes the most (98/100, 0.8%); capital cushion contributes the least (70/100, 12.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 12.02%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.16%
Earnings76/100
Return on assets (annualized): 1.39%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 69.2% · 29.7% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.81%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 20 points (61 → 81), mostly because the loan quality component improved by 66 points.

TellerScore
577083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202479
Q4 202475
Q1 202577
Q2 202561
Q3 202583
Q4 202578
Q1 202661
Q2 202681
Tier 1 leverage ratio
5.00%8.69%12.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.65%
Q3 202411.84%
Q4 202411.10%
Q1 202511.34%
Q2 202512.02%
Q3 202512.38%
Q4 202511.17%
Q1 202611.27%
Q2 202612.02%
Noncurrent loans
0.00%1.12%2.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.24%
Q3 20240.05%
Q4 20240.02%
Q1 20250.02%
Q2 20252.12%
Q3 20250.03%
Q4 20250.00%
Q1 20261.93%
Q2 20260.16%
Return on assets
0.89%1.14%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.08%
Q4 20240.89%
Q1 20250.96%
Q2 20251.10%
Q3 20251.36%
Q4 20251.15%
Q1 20261.20%
Q2 20261.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$230.4M12.02%0.16%1.39%69.2%
Q1 202661$223.9M11.27%1.93%1.20%70.5%
Q4 202578$234.0M11.17%0.00%1.15%66.7%
Q3 202583$218.8M12.38%0.03%1.36%72.7%
Q2 202561$208.3M12.02%2.12%1.10%72.8%
Q1 202577$211.3M11.34%0.02%0.96%72.3%
Q4 202475$223.9M11.10%0.02%0.89%69.6%
Q3 202479$214.6M11.84%0.05%1.08%71.7%
Q2 202457$209.7M11.65%2.24%1.07%71.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.02%
65th
Total risk-based capital0.00%
24th
Problem loans0.16%
68th
Net charge-offs-0.04%
95th
Return on assets1.39%
59th
Net interest margin4.45%
78th
Efficiency ratio60.2%
57th
Loans to deposits69.2%
70th
Uninsured deposits29.7%
29th
Loan-loss reserves1.42%
74th
Texas ratio0.8%
72nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Muenster State BankBank Muenster, TX98 out of 100, Very strong$227.0M14.8%0.00%vs
Cypress Bank, SSBBank Pittsburg, TX59 out of 100, Moderate$235.5M11.4%1.84%vs
Unity National Bank of HoustonBank Houston, TX65 out of 100, Moderate$224.9M12.0%0.77%vs
First State Bank of BediasBank Bedias, TX81 out of 100, Strong$224.8M17.9%2.01%vs
Sanger BankBank Sanger, TX86 out of 100, Very strong$224.4M16.5%0.51%vs
The Citizens National Bank of HillsboroBank Hillsboro, TX82 out of 100, Strong$224.4M12.5%0.28%vs

Deposit insurance

Is my money safe at The First National Bank of Anderson?

Yes. The First National Bank of Anderson is an FDIC-insured institution (FDIC certificate #3075). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.7% of deposits ($60.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

The First National Bank of Anderson lists 2 offices in 2 cities. Most locations:

  • Anderson, TX (1)
  • Navasota, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Anderson
Type
National bank
FDIC certificate #
3075
RSSD ID
362155
Primary regulator
OCC
Holding company
First Anderson Bancshares Inc
Established
July 5, 1904
Headquarters
1071 Highway 90 S, Anderson, TX 77830
Employees
48

Quick answers

The First National Bank of Anderson: common questions

Is The First National Bank of Anderson FDIC insured?

Yes. The First National Bank of Anderson is an FDIC-insured institution (FDIC certificate #3075). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Anderson's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First National Bank of Anderson ever failed?

There is no failure record for FDIC certificate #3075 in the FDIC failed bank list.

How many branches does The First National Bank of Anderson have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Anderson

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of HuntsvilleBank Huntsville, TX90 out of 100, Very strong$584.9M13.3%0.05%vs
Brazos Star Credit UnionCredit union College Station, TX88 out of 100, Very strong$35.5M15.1%0.40%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
First National Bank of Central TexasBank Waco, TX81 out of 100, Strong$1.8B10.8%0.10%vs
First State Bank of BediasBank Bedias, TX81 out of 100, Strong$224.8M17.9%2.01%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs