The National Bank of Andrews (FDIC certificate #17603) is based in Andrews, Texas. Its Q2 2026 call report shows $340.5M in total assets and $298.2M in deposits and 4 offices.
The National Bank of Andrews has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 332nd. Earnings contributes the most (100/100, 2.71%); loan quality contributes the least (0/100, 3.05%).
TellerScore · Q2 2026
Scorecard
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 7 points (56 → 49), mostly because the capital cushion component weakened by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 78 |
| Q4 2024 | 78 |
| Q1 2025 | 79 |
| Q2 2025 | 56 |
| Q3 2025 | 56 |
| Q4 2025 | 58 |
| Q1 2026 | 53 |
| Q2 2026 | 49 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.17% |
| Q3 2024 | 11.17% |
| Q4 2024 | 10.47% |
| Q1 2025 | 11.39% |
| Q2 2025 | 11.79% |
| Q3 2025 | 11.20% |
| Q4 2025 | 9.89% |
| Q1 2026 | 10.15% |
| Q2 2026 | 10.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.31% |
| Q2 2025 | 2.75% |
| Q3 2025 | 2.63% |
| Q4 2025 | 2.00% |
| Q1 2026 | 2.52% |
| Q2 2026 | 3.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.13% |
| Q3 2024 | 3.23% |
| Q4 2024 | 3.42% |
| Q1 2025 | 3.15% |
| Q2 2025 | 3.21% |
| Q3 2025 | 3.14% |
| Q4 2025 | 2.68% |
| Q1 2026 | 2.84% |
| Q2 2026 | 2.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $340.5M | 10.11% | 3.05% | 2.71% | 73.4% |
| Q1 2026 | 53 | $331.4M | 10.15% | 2.52% | 2.84% | 77.2% |
| Q4 2025 | 58 | $321.5M | 9.89% | 2.00% | 2.68% | 76.5% |
| Q3 2025 | 56 | $316.2M | 11.20% | 2.63% | 3.14% | 77.0% |
| Q2 2025 | 56 | $285.7M | 11.79% | 2.75% | 3.21% | 85.3% |
| Q1 2025 | 79 | $288.9M | 11.39% | 0.31% | 3.15% | 82.0% |
| Q4 2024 | 78 | $292.9M | 10.47% | 0.11% | 3.42% | 78.6% |
| Q3 2024 | 78 | $294.8M | 11.17% | 0.26% | 3.23% | 78.3% |
| Q2 2024 | 80 | $295.2M | 11.17% | 0.12% | 3.13% | 78.3% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Integrity Bank SSBBank Houston, TX | 78 out of 100, Strong | $339.6M | 14.5% | 0.00% | vs |
| Security State BankBank Farwell, TX | 88 out of 100, Very strong | $338.0M | 14.6% | 0.03% | vs |
| First National Bank of HerefordBank Hereford, TX | 84 out of 100, Strong | $344.6M | 12.3% | 0.05% | vs |
| Ozona BankBank Ozona, TX | 79 out of 100, Strong | $346.1M | 12.3% | 0.00% | vs |
| Global One BankBank Houston, TX | 84 out of 100, Strong | $333.2M | 14.5% | 0.27% | vs |
| Texana Bank, National AssociationBank Linden, TX | 53 out of 100, Below average | $330.6M | 9.1% | 1.36% | vs |
Deposit insurance
Is my money safe at The National Bank of Andrews?
Yes. The National Bank of Andrews is an FDIC-insured institution (FDIC certificate #17603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.5% of deposits ($138.7M) 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 10.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.44% (benchmark: 10%).
4 locations
Branches
The National Bank of Andrews lists 1 office in 1 city. Most locations:
- Andrews, TX (1)
Identity & history
Profile
- Legal name
- The National Bank of Andrews
- Former names
- First National Bank of Andrews; First State Bank
- Type
- National bank
- FDIC certificate #
- 17603
- RSSD ID
- 488653
- Primary regulator
- OCC
- Holding company
- Andrews Bancshares Inc
- Established
- November 12, 1945
- Headquarters
- 1501 N Main St, Andrews, TX 79714
- Website
- www.nbabankonline.com
- Employees
- 65
Quick answers
The National Bank of Andrews: common questions
Is The National Bank of Andrews FDIC insured?
Yes. The National Bank of Andrews is an FDIC-insured institution (FDIC certificate #17603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The National Bank of Andrews's TellerScore?
49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The National Bank of Andrews ever failed?
There is no failure record for FDIC certificate #17603 in the FDIC failed bank list.
How many branches does The National Bank of Andrews have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Andrews
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Complex Community Federal Credit UnionCredit union Odessa, TX | 85 out of 100, Very strong | $818.2M | 13.8% | 0.59% | vs |
| Andrews School Federal Credit UnionCredit union Andrews, TX | 84 out of 100, Strong | $6.7M | 28.2% | 0.47% | vs |
| First Basin Credit UnionCredit union Odessa, TX | 75 out of 100, Strong | $343.2M | 11.5% | 0.29% | vs |
| Southwest 66 Credit UnionCredit union Odessa, TX | 68 out of 100, Moderate | $112.2M | 11.2% | 0.57% | vs |
| Members Financial Federal Credit UnionCredit union Midland, TX | 64 out of 100, Moderate | $38.6M | 8.8% | 0.16% | vs |
| 1st Community Federal Credit UnionCredit union San Angelo, TX | 58 out of 100, Moderate | $421.8M | 13.6% | 3.73% | vs |