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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 0.92%, up 13 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.47% of loans (-3 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

0.92%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.03%+12 bps YoY

Efficiency Ratio (quarter, annualized)

70.09%-348 bps YoY

Tier 1 Leverage Ratio

16.51%-153 bps YoY

NIM

4.27%Q2 ’244.45%Q2 ’254.42%Q2 ’26+12%+4%

Non-interest income vs. expense

2.84%Q2 ’242.80%Q2 ’252.72%Q2 ’26+1%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.96%1.09%0.78%1.90%1.29%0.99%0.92%+13 bps
Return on Equity6.16%7.39%8.98%6.24%14.24%9.50%7.67%7.22%+98 bps
Net Interest Margin2.86%3.13%2.71%2.91%3.07%3.26%3.00%3.03%+12 bps
Efficiency Ratio72.46%70.20%66.20%73.57%52.39%62.38%68.15%70.09%-348 bps
Non-Interest Burden1.79%1.89%1.34%1.91%0.64%1.69%1.74%1.87%-3 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 / Loans0.34%0.25%0.02%0.21%0.12%0.14%0.09%0.05%-17 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