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
Unfavorable gap of $1.8M · efficiency ratio beats 34% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.87% | 1.20% | 1.65% | Beats 27% | 154 / 211 | | |
| Return on Equity | 7.24% | 7.52% | 11.67% | 14.58% | Beats 24% | 161 / 211 | | |
| Net Interest Margin | 2.97% | 3.28% | 3.82% | 4.31% | Beats 16% | 177 / 211 | | |
| Efficiency Ratio | 69.13% | 53.01% | 64.18% | 73.65% | Beats 34% | 140 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.01% | 0.30% | 1.10% | Beats 41% | 124 / 208 | | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.06% | Beats 23% | 161 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 48.13% | 11.72% | 14.45% | 19.57% | Beats 96% | 9 / 211 | | |
| Total Risk-Based Capital Ratio | 48.74% | 11.94% | 14.78% | 20.30% | Beats 96% | 9 / 211 | | |
| Equity / Assets | 12.81% | 9.41% | 11.06% | 12.94% | Beats 73% | 57 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 28.94% | 45.39% | 66.56% | 82.03% | 8th pctl | 191 / 208 | | |
| Loans / Assets | 25.05% | 39.13% | 56.90% | 70.46% | 9th pctl | 192 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |