TellerScore

The Santa Anna National Bank no longer operates under this certificate. It failed on June 27, 2025. See the failure record.

The Santa Anna National Bank (FDIC certificate #5520) is based in Santa Anna, Texas. Its Q1 2025 call report shows $76.9M in total assets and $71.4M in deposits.

Based on its Q1 2025 filing, The Santa Anna National Bank scores 71/100, which we describe as strong. That is higher than only 41% of 640 banks with under $100 million in assets. Among 373 banks headquartered in Texas, it ranks 236th. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is capital cushion (36/100; 8.62%).

TellerScore · Q1 2025

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.62%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.50%
Earnings89/100
Return on assets (annualized): 1.73%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 56.9% · 29.5% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.68%

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.

4 quarters

Health trend

From Q2 2024 to Q1 2025, the score fell 5 points (76 → 71), mostly because the capital cushion component weakened by 20 points.

TellerScore
717477Q2 2024Q4 2024Q1 2025
Show as table
QuarterTellerScore
Q2 202476
Q3 202477
Q4 202471
Q1 202571
Tier 1 leverage ratio
5.00%7.80%10.60%well-capitalized benchmarkQ2 2024Q4 2024Q1 2025
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QuarterTier 1 leverage ratio
Q2 202410.60%
Q3 202410.58%
Q4 20248.92%
Q1 20258.62%
Noncurrent loans
0.46%0.49%0.51%Q2 2024Q4 2024Q1 2025
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QuarterNoncurrent loans
Q2 20240.47%
Q3 20240.46%
Q4 20240.51%
Q1 20250.50%
Return on assets
1.55%1.64%1.73%Q2 2024Q4 2024Q1 2025
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QuarterReturn on assets
Q2 20241.61%
Q3 20241.67%
Q4 20241.55%
Q1 20251.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q1 202571$76.9M8.62%0.50%1.73%56.9%
Q4 202471$75.6M8.92%0.51%1.55%57.1%
Q3 202477$66.2M10.58%0.46%1.67%69.6%
Q2 202476$63.3M10.60%0.47%1.61%73.0%

640 peers · Under $100 million in assets

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 ratio8.62%
8th
Total risk-based capital0.00%
27th
Problem loans0.50%
40th
Net charge-offs0.03%
21st
Return on assets1.73%
84th
Net interest margin4.45%
78th
Efficiency ratio52.9%
87th
Loans to deposits56.9%
59th
Uninsured deposits29.5%
13th
Loan-loss reserves1.35%
60th
Texas ratio3.7%
35th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Zavala County BankBank Crystal City, TX87 out of 100, Very strong$76.0M14.5%0.38%vs
First State Bank of San DiegoBank San Diego, TX51 out of 100, Below average$78.0M8.3%1.77%vs
Citizens State BankBank Anton, TX89 out of 100, Very strong$78.9M16.9%0.05%vs
The First Bank of CelesteBank Celeste, TX73 out of 100, Strong$79.8M8.0%0.00%vs
Angelina Savings Bank, SSBBank Lufkin, TX76 out of 100, Strong$80.8M10.7%0.32%vs
Pavillion BankBank Richardson, TX89 out of 100, Very strong$73.0M16.3%0.00%vs

Deposit insurance

Is my money safe at The Santa Anna National Bank?

The Santa Anna National Bank is no longer an active bank in FDIC records (since 2025).

An estimated 29.5% of deposits ($21.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.62%, 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

Identity & history

Profile

Legal name
The Santa Anna National Bank
Type
National bank
FDIC certificate #
5520
RSSD ID
521064
Primary regulator
OCC
Established
December 1, 1933
Headquarters
610 Wallis Ave, Santa Anna, TX 76878
Employees
14

Quick answers

The Santa Anna National Bank: common questions

Is The Santa Anna National Bank FDIC insured?

The Santa Anna National Bank is no longer an active bank in FDIC records (since 2025).

What is The Santa Anna National Bank's TellerScore?

71 out of 100 (Strong), based on its Q1 2025 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Santa Anna National Bank ever failed?

FDIC records show Santa Anna National Bank failed on June 27, 2025.