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
Unfavorable gap of $7.7M · efficiency ratio beats 74% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.81% | 0.87% | 1.20% | 1.65% | Beats 86% | 30 / 211 | |
| Return on Equity | 15.16% | 7.52% | 11.67% | 14.58% | Beats 79% | 44 / 211 | |
| Net Interest Margin | 4.60% | 3.28% | 3.82% | 4.31% | Beats 86% | 30 / 211 | |
| Efficiency Ratio | 53.58% | 53.01% | 64.18% | 73.65% | Beats 74% | 55 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.01% | 0.30% | 1.10% | Beats 68% | 67 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 74% | 57 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 12.32% | 11.72% | 14.45% | 19.57% | Beats 33% | 142 / 211 | |
| Total Risk-Based Capital Ratio | 12.32% | 11.94% | 14.78% | 20.30% | Beats 32% | 143 / 211 | |
| Equity / Assets | 11.95% | 9.41% | 11.06% | 12.94% | Beats 61% | 82 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 101.02% | 45.39% | 66.56% | 82.03% | 99th pctl | 3 / 208 | |
| Loans / Assets | 86.31% | 39.13% | 56.90% | 70.46% | 99th pctl | 2 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |