# NATIONAL BANK OF ANDREWS
ANDREWS, TX · FDIC certificate 17603 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $340.5M | |
| Deposits | $298.2M | |
| Loans and leases | $222.2M | |
| Total equity | $33.6M | |
| Loans / deposits | 73.41% (p32 of band) | 82.04% |
| Liquid assets / assets | 27.73% (p58 of band) | |
| Uninsured deposits / deposits | 46.52% (p93 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.11% (p37 of band) | 10.81% |
| Unrealized securities loss / equity | -3.53% (p69 of band) | -8.10% |
| AOCI / equity | -0.97% (p23 of band) | |
| ROA (annualized) | 2.71% (p96 of band) | 1.28% |
| Net interest margin | 5.15% (p95 of band) | 3.91% |
| Efficiency ratio | 58.50% (p41 of band) | |
| Noncurrent loans | 3.05% (p95 of band) | 0.43% |
| Net charge-offs (annualized) | 0.18% (p91 of band) | |
| Reserve coverage of noncurrent | 48.07% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 29.93% (p36 of band) | |
| Auto loans | $5.0M (2.26% of loans; DQ 0.80%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 20.9% | |
| Employees | 65 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 3 | assets shrinking |  |
| 2016-03 | 2 |  | uninsured deposits leaving |
| 2016-06 | 3 | uninsured deposits leaving |  |
| 2016-09 | 2 |  | uninsured deposits leaving |
| 2016-12 | 2 | capital falling, charge-offs p90 | deposits shrinking, assets shrinking |
| 2017-03 | 0 |  | capital falling, charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 2 |  | capital falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | charge-offs p90 |  |
| 2023-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | capital falling, deposits shrinking |  |
| 2025-03 | 0 |  | capital falling, deposits shrinking |
| 2025-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2026-03 | 2 | noncurrent p90 | capital falling, charge-offs p90 |
| 2026-06 | 3 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-08 [Jerry Don Criner Obituary (2026) - Andrews, TX - McNett Funeral Home - Andrews - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNWXJTeDBxSVNYQmpvN2pIbHkzTjRwblhGa2ZHSFFreUxTWVAzQW9ZU1BtdDE2eklYc2NCQjVOR3NvMEktRHJobllISnRhdlVQOWQ3QjlNM2xKdUZoRkVwN0dEWUg2YlZDREtBaVJxa29UbDFYalNrQ2h1c0U0bGg2cQ?oc=5) · legacy.com
- 2024-07-28 [Lulabel Van Duist Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQYURWdURMbHJpRVFFSGIyWnJQMHJKa2ttX29xUWpoRmxBQVdhNzNCeFY5Y1ZPb0hSNGRIamJFX0ktYUU2NDFvTHlyeUI3aFktVWx0SVpzYTZxU1FBSWhFNlFBZ0VxNTJMNzdkVnRlOElJWl9xZVFWMHlDUVJHUXAxNlM0RzFZUQ?oc=5) · Dignity Memorial
- 2021-06-24 [Helen Ann Becknell McCabe-Way Obituary - gosanangelo.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9qTFEzcGFvcWdsbXRtMkZBTzlKZVRBYng0dVpyQkRKWEdhM3ZKTkRHX2tGeWY2cUduWXhyRDhLMkZDUmRDaHkzZ2UtXzliNVp1aWZVdXJjQ1l4U3pa?oc=5) · gosanangelo.com
- 2025-01-19 [Phyllis "Jan" Gregory Obituary (2025) - Andrews, TX - McNett Funeral Home - Andrews - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNSjdpcjI5UjloU1NFTUtjNjNMN0gwcDgxUVZNZDZOTmlCXzNHWUV3LTkzRFd0cXI2Tl9Yajl3VF9BVWVhV1lES0pYeUxNYjc1UDlfcFp1MTQ5NzhxYi1nVDUxR1lhdGQ5SncwS0Z0QWFLdW1RZkFWUWFVZVBjR1AxU1J5dXE?oc=5) · legacy.com
- 2022-04-26 [Craig Evan "Prophet - C" Sanchez - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPQXpWa0Zzamx2UGZFYWxLWEJydTRlX3pYdU9tejdWQ1ZFcDRwdW9za3J0bHdQdk9heWRZVXIwSkpaRU9aMlAwbG1BUGtFWXFsRFZlVklYQVJvNVh5SlotNjh0V2tLc2piTXRWU2pWWENLX0YwZVJSb25mUnkwVzVtV05RWHpkOXByY08zUGpXYVk?oc=5) · legacy.com
- 2021-10-20 [Damon Underwood Obituary (2006) - Midland, TX - Midland Reporter-Telegram - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNenZYWWxlM2FGdjdvNjc4ZEFtMGttSkFjMTlsZS0yQU5Ed0J0QTc4VTE2Rk82cTJjQ2loVEJHVFZRSi1WSmh4VDhvNDdJN1NNR1hTUlVEVERnVmd2eFFMUkg5bVVFSGs0SDA2YUZoVmZ2ZWhmWUtpNEhiOXp6TnB4aDBib0JHOEotdnc?oc=5) · legacy.com
- 2018-07-06 [Patsy Hoermann - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxON0dqUUFGRnJnVHZZZ2pUeDFkdkQ4Tjc1S0RMR0l1QXBHZDRvU1pzTm5ya1RsUTR6OWxoNG5IRVQ5OXdVaDk1aG1ZN2lhZDdvcndoUUlqQW9TcF96TDBUdWhxTzhHbTkwNzYwT09vQ1FjUmFqSmd5WUhFN2JpVGttZzBlcWFFZWdHTWRpTGY0WTZZdw?oc=5) · legacy.com
- 2017-11-14 [Marie Hoffman Obituary (1924 - 2017) - San Angelo, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxORjFQejBsNmMtcktFRGJnaG9UYkxnaHh1a3ZUTjg0ellSSE03Z0N5R2xVSHNZcnVYa0d0UDNsaHVKUFlwa1U1bktRY3VFUXAtY2dQTS1ZZE9YdmhJZ215cEQ1QkVLX0xhNkJnM25razl5VHR4cE1XVDVJd0JlMUpEWWVRSF9xTHZFbEptSnBXQTk5Zw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17603 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "17603", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide