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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 0.95%, 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