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First National Bank of Hereford, The

Hereford, TX · Cert 34918 · La Plata Bancshares Inc.

National charter · OCC · 4 branches

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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

74

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 Hereford, The

Hereford, TX · Cert 34918 · La Plata Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$344.6MAssets
$297.4MLoans
$294.4MDeposits
$41.2MEquity
Loan mix
62%RE $99.4M36%C&I $57.1M2%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $206.4M30%Noninterest $88.0MQ2 2025Q2 2026

NIM

6.63%Q2 ’246.51%Q2 ’256.30%Q2 ’26+2%+0%

Non-interest income vs. expense

2.92%Q2 ’242.83%Q2 ’252.75%Q2 ’26-1%-5%

Market Position · Amarillo, TX · 2026 SOD (annual) · 0.2% share · #16 of 21 inst. · $0.0B of $11.7B

33.9% Deaf Smith
15.8% Parmer
0.6% Randall

Executive Summary

  • Earnings: ROA of 1.73%, up 22 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 0.05% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.32%, up 17 bps from a year ago.
  • Funding: loans stand at 101.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.73%+22 bps YoY

Net Interest Margin (YTD, annualized)

4.60%+1 bps YoY

Efficiency Ratio (YTD, annualized)

53.47%-200 bps YoY

Tier 1 Leverage Ratio

12.32%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.58%1.58%1.67%1.73%+22 bps
Return on Equity13.96%14.45%14.68%15.72%15.67%+170 bps
Net Interest Margin4.59%4.47%4.19%4.60%4.60%+1 bps
Efficiency Ratio55.47%55.35%54.66%53.69%53.47%-200 bps
Non-Interest Burden2.33%2.26%2.08%2.22%2.22%-11 bps
Growth
Asset Growth (YoY)11.83%11.46%16.90%14.61%6.01%-582 bps
Loan Growth (YoY)10.49%15.18%20.93%10.45%13.45%+296 bps
Deposit Growth (YoY)13.05%11.47%17.33%14.70%2.94%-1,012 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.01%0.00%0.05%+1 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.00%0.00%-2 bps
Allowance / Loans1.20%1.19%1.18%1.27%1.24%+3 bps
Allowance Coverage of NPLs31.5x32.6x79.8xn/a25.5x-6.0x
Capital
Tier 1 Leverage Ratio12.15%11.94%11.30%11.96%12.32%+17 bps
Total Risk-Based Capital14.33%14.35%13.45%11.96%12.32%-201 bps
Equity / Assets10.93%11.22%10.30%10.94%11.95%+102 bps
Liquidity & Funding
Loans / Deposits91.66%93.89%89.55%89.37%101.02%+936 bps
Liquid Assets / Assets5.07%4.51%1.47%8.75%1.27%-380 bps
CRE / Total Capitaln/a115.93%111.22%106.09%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 Hereford, The

Hereford, TX · Cert 34918 · Peer group: banks under $1B in assets in TX (n=208-211) · La Plata Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$344.6MAssets
$297.4MLoans
$294.4MDeposits
$41.2MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 86% of banks under $1B in assets in TX (rank 30 of 211).
  • Widest gap: total risk-based capital ratio trails 68% of banks under $1B in assets in TX (rank 143 of 211).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.81%

Rank 30 of 211

Net Interest Margin

4.60%

Rank 30 of 211

Efficiency Ratio

53.58%

Rank 55 of 211

Equity / Assets

11.95%

Rank 82 of 211

Non-interest income vs. expense

$1.9M$9.6MINCOMEEXPENSE
Unfavorable gap of $7.7M · efficiency ratio beats 74% of banks under $1B in assets in TX
Bank 53.58%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.81%0.87%1.20%1.65%Beats 86%30 / 211
Return on Equity15.16%7.52%11.67%14.58%Beats 79%44 / 211
Net Interest Margin4.60%3.28%3.82%4.31%Beats 86%30 / 211
Efficiency Ratio53.58%53.01%64.18%73.65%Beats 74%55 / 211
Asset Quality
Nonperforming Loans / Loans0.05%0.01%0.30%1.10%Beats 68%67 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 74%57 / 208
Capital
Tier 1 Capital Ratio12.32%11.72%14.45%19.57%Beats 33%142 / 211
Total Risk-Based Capital Ratio12.32%11.94%14.78%20.30%Beats 32%143 / 211
Equity / Assets11.95%9.41%11.06%12.94%Beats 61%82 / 211
Liquidity & Funding
Loans / Deposits101.02%45.39%66.56%82.03%99th pctl3 / 208
Loans / Assets86.31%39.13%56.90%70.46%99th pctl2 / 211
Brokered Deposits / Depositsn/aNot reported for this institution