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First National Bank of Hebbronville, The

Hebbronville, TX · Cert 3248 · Hebbronville Regional Bancshares

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

88

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

34

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Hebbronville, The

Hebbronville, TX · Cert 3248 · Hebbronville Regional Bancshares

National charter · OCC · 1 branch

Q2 2026

$102.0MAssets
$25.5MLoans
$88.3MDeposits
$13.1MEquity
Loan mix
59%RE $14.1M6%C&I $1.4M35%Consumer $8.4MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $63.9M28%Noninterest $24.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.95%, up 2 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.47% of loans (-3 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 16.51%, down 153 bps from a year ago.
  • Funding: loans stand at 28.94% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.95%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+15 bps YoY

Efficiency Ratio (YTD, annualized)

69.13%-64 bps YoY

Tier 1 Leverage Ratio

16.51%-153 bps YoY

NIM

4.29%Q2 ’244.34%Q2 ’254.32%Q2 ’26+9%+5%

Non-interest income vs. expense

2.77%Q2 ’242.74%Q2 ’252.66%Q2 ’26-10%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.75%1.09%0.93%1.26%1.27%0.99%0.95%+2 bps
Return on Equity5.25%5.89%8.98%7.60%9.90%9.88%7.67%7.40%-20 bps
Net Interest Margin2.69%2.76%2.71%2.82%2.90%2.85%3.00%2.97%+15 bps
Efficiency Ratio76.10%74.46%66.20%69.77%62.92%62.78%68.15%69.13%-64 bps
Non-Interest Burden1.81%1.80%1.34%1.63%1.30%1.33%1.74%1.78%+15 bps
Growth
Asset Growth (YoY)0.64%5.63%7.72%11.62%10.70%7.49%7.30%9.54%-208 bps
Loan Growth (YoY)3.75%0.43%-1.05%-1.20%-1.12%-0.77%-1.53%-3.15%-194 bps
Deposit Growth (YoY)-3.42%7.55%7.32%11.99%11.10%5.81%7.15%9.31%-268 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.54%0.09%0.50%0.47%1.70%0.09%0.47%-3 bps
Net Charge-Offs / Loans0.16%0.19%0.02%0.11%0.11%0.12%0.09%0.07%-4 bps
Allowance / Loans1.00%0.93%0.95%0.89%0.81%0.79%0.79%0.79%-11 bps
Allowance Coverage of NPLs1.8x1.7x10.9x1.8x1.7x0.5x8.9x1.7x-0.1x
Capital
Tier 1 Leverage Ratio19.62%19.10%17.81%18.03%18.35%16.52%16.83%16.51%-153 bps
Total Risk-Based Capital47.13%45.53%46.79%46.97%48.04%46.16%47.91%48.74%+177 bps
Equity / Assets14.42%11.77%12.45%12.64%14.01%13.19%12.59%12.81%+17 bps
Liquidity & Funding
Loans / Deposits38.35%34.01%32.59%32.66%34.13%31.90%29.95%28.94%-372 bps
Liquid Assets / Assets2.32%2.17%2.13%2.09%2.12%2.02%1.96%1.91%-17 bps
CRE / Total Capitaln/an/an/an/a19.68%20.50%20.01%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Hebbronville, The

Hebbronville, TX · Cert 3248 · Peer group: banks under $1B in assets in TX (n=208-211) · Hebbronville Regional Bancshares

National charter · OCC · 1 branch

Q2 2026

$102.0MAssets
$25.5MLoans
$88.3MDeposits
$13.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets in TX (rank 9 of 211).
  • Widest gap: net interest margin trails 84% of banks under $1B in assets in TX (rank 177 of 211).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.93%

Rank 154 of 211

Net Interest Margin

2.97%

Rank 177 of 211

Efficiency Ratio

69.13%

Rank 140 of 211

Equity / Assets

12.81%

Rank 57 of 211

Non-interest income vs. expense

$0.9M$2.7MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 34% of banks under $1B in assets in TX
Bank 69.13%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.93%0.87%1.20%1.65%Beats 27%154 / 211
Return on Equity7.24%7.52%11.67%14.58%Beats 24%161 / 211
Net Interest Margin2.97%3.28%3.82%4.31%Beats 16%177 / 211
Efficiency Ratio69.13%53.01%64.18%73.65%Beats 34%140 / 211
Asset Quality
Nonperforming Loans / Loans0.47%0.01%0.30%1.10%Beats 41%124 / 208
Net Charge-Offs / Loans0.07%0.00%0.01%0.06%Beats 23%161 / 208
Capital
Tier 1 Capital Ratio48.13%11.72%14.45%19.57%Beats 96%9 / 211
Total Risk-Based Capital Ratio48.74%11.94%14.78%20.30%Beats 96%9 / 211
Equity / Assets12.81%9.41%11.06%12.94%Beats 73%57 / 211
Liquidity & Funding
Loans / Deposits28.94%45.39%66.56%82.03%8th pctl191 / 208
Loans / Assets25.05%39.13%56.90%70.46%9th pctl192 / 211
Brokered Deposits / Depositsn/aNot reported for this institution