TellerScore

The First National Bank of Anson is a national bank headquartered in Anson, Texas, in business for about 124 years. At the end of Q2 2026 it reported $105.2M in total assets and $97.2M in deposits, with 1 office.

Based on its Q2 2026 filing, The First National Bank of Anson scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 217th. Its strongest component is earnings (100/100; 2.55%), and its lowest is capital cushion (28/100; 7.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion28/100
Tier 1 leverage ratio: 7.84%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.26%
Earnings100/100
Return on assets (annualized): 2.55%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 41.4% · 43.2% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.22%

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 fell 3 points (74 → 71), mostly because the capital cushion component weakened by 22 points.

TellerScore
707681Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202481
Q4 202479
Q1 202579
Q2 202574
Q3 202574
Q4 202572
Q1 202670
Q2 202671
Tier 1 leverage ratio
5.00%7.70%10.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.62%
Q3 202410.32%
Q4 202410.40%
Q1 202510.23%
Q2 202510.03%
Q3 20258.95%
Q4 20258.09%
Q1 20268.16%
Q2 20267.84%
Noncurrent loans
0.26%0.55%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.26%
Q3 20240.27%
Q4 20240.54%
Q1 20250.40%
Q2 20250.84%
Q3 20250.31%
Q4 20250.32%
Q1 20260.47%
Q2 20260.26%
Return on assets
1.91%2.36%2.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.62%
Q3 20242.77%
Q4 20242.81%
Q1 20251.97%
Q2 20252.51%
Q3 20251.91%
Q4 20251.98%
Q1 20262.54%
Q2 20262.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$105.2M7.84%0.26%2.55%41.4%
Q1 202670$112.6M8.16%0.47%2.54%40.0%
Q4 202572$95.9M8.09%0.32%1.98%50.6%
Q3 202574$96.9M8.95%0.31%1.91%50.2%
Q2 202574$86.8M10.03%0.84%2.51%55.8%
Q1 202579$71.1M10.23%0.40%1.97%66.9%
Q4 202479$70.8M10.40%0.54%2.81%66.7%
Q3 202481$70.7M10.32%0.27%2.77%68.7%
Q2 202478$70.8M9.62%0.26%2.62%70.4%

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 ratio7.84%
2nd
Total risk-based capital19.56%
86th
Problem loans0.26%
60th
Net charge-offs0.19%
13th
Return on assets2.55%
96th
Net interest margin4.96%
92nd
Efficiency ratio53.0%
77th
Loans to deposits41.4%
95th
Uninsured deposits43.2%
8th
Loan-loss reserves2.16%
95th
Texas ratio1.2%
66th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First Capital BankBank Quanah, TX69 out of 100, Moderate$107.3M9.6%0.70%vs
The First National Bank of HebbronvilleBank Hebbronville, TX87 out of 100, Very strong$102.0M16.5%0.47%vs
The Cowboy Bank of TexasBank Maypearl, TX77 out of 100, Strong$108.6M17.5%2.29%vs
Citizens National BankBank Crockett, TX80 out of 100, Strong$108.8M12.8%0.00%vs
The Lytle State Bank of Lytle, TexasBank Lytle, TX79 out of 100, Strong$114.6M14.6%0.53%vs
The Commercial BankBank Mason, TX79 out of 100, Strong$114.6M9.9%0.00%vs

Deposit insurance

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

Yes. The First National Bank of Anson is an FDIC-insured institution (FDIC certificate #3078). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 43.2% of deposits ($42.0M) 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 7.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.56% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The First National Bank of Anson lists 1 office in 1 city. Most locations:

  • Anson, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank of Anson reported 39 home-loan applications under HMDA (LEI 2549005AK04LGIZGXS10): 24 originated ($3,120,000 total), 6 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The First National Bank of Anson
Type
National bank
FDIC certificate #
3078
RSSD ID
366359
Primary regulator
OCC
Holding company
Anson Bancshares Inc
Established
January 1, 1902
Headquarters
1021 12th St, Anson, TX 79501
Employees
16

Quick answers

The First National Bank of Anson: common questions

Is The First National Bank of Anson FDIC insured?

Yes. The First National Bank of Anson is an FDIC-insured institution (FDIC certificate #3078). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

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

71 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 Anson ever failed?

There is no failure record for FDIC certificate #3078 in the FDIC failed bank list.

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

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Anson

InstitutionScoreAssetsCapitalProblem loansCompare
Abilene Teachers Federal Credit UnionCredit union Abilene, TX95 out of 100, Very strong$690.4M18.8%0.31%vs
Txdot Credit UnionCredit union Abilene, TX81 out of 100, Strong$18.2M17.2%0.54%vs
Sweetwater Regional Federal Credit UnionCredit union Sweetwater, TX79 out of 100, Strong$6.6M19.5%0.11%vs
E M O T Federal Credit UnionCredit union Abilene, TX78 out of 100, Strong$9.2M39.7%1.72%vs
Coleman County State BankBank Coleman, TX78 out of 100, Strong$295.1M8.6%0.05%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs