The National Bank of Andrews: how it compares with its peers
Against 139 TX banks with half to twice its assets, The National Bank of Andrews's strongest measure in Q2 2026 is return on assets (2.71% vs. a 1.44% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $7.0M).
| Measure | The National Bank of Andrews | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.71% | 1.44% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.15% | 4.18% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.50% | 61.24% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $7.0M | Bottom third Ahead of 16% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.41% | 69.23% | Context |
What it means for lending operations
Its efficiency ratio of 58.50% is better than the 61.24% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Integrity Bank SSB Houston, TX · $340M
- Security State Bank Farwell, TX · $338M
- First National Bank of Hereford Hereford, TX · $345M
- Ozona Bank Ozona, TX · $346M
- Global One Bank Houston, TX · $333M
- Texana Bank, National Association Linden, TX · $331M
Questions about The National Bank of Andrews
How big is The National Bank of Andrews?
The National Bank of Andrews, established in 1945, is headquartered in Andrews, TX. It reported $341M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The National Bank of Andrews's return on assets?
2.71% annualized in Q2 2026, against a 1.44% median for 139 TX banks with half to twice its assets, ahead of 96% of them.
What is The National Bank of Andrews's efficiency ratio?
58.50% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 61.24%, and lower is better.
Is The National Bank of Andrews growing its loans?
Net loans grew 4.1% over the year to Q2 2026, while deposits grew 20.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.