Bank Comparison
First National Bank of Hebbronville, the vs First National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 6
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First National Bank of Hebbronville, the | First National Bank |
|---|---|---|
| CET1 Ratio | 47.30% | 20.04% |
| Tier 1 Capital Ratio | 47.30% | 20.04% |
| Total Capital Ratio | 47.91% | 21.30% |
| Tier 1 Leverage Ratio | 16.83% | 9.68% |
| Equity / Assets | 12.59% | 5.89% |
Profitability
| Metric | First National Bank of Hebbronville, the | First National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.26% | 0.66% |
| Return on Equity (ROE) | 9.76% | 11.77% |
| Net Interest Margin (NIM) | 3.38% | 3.13% |
| Yield on Earning Assets | 4.85% | 4.70% |
| Cost of Funds | 1.58% | 1.69% |
Asset quality
| Metric | First National Bank of Hebbronville, the | First National Bank |
|---|---|---|
| Texas Ratio | 0.18% | 19.54% |
| Non-Performing Loan Ratio | 0.02% | 2.37% |
| Non-Performing Asset Ratio | 0.01% | 0.93% |
| Net Charge-Off Ratio | 0.09% | -0.20% |
| ACL / Loans | 0.79% | 2.33% |
Balance sheet
| Metric | First National Bank of Hebbronville, the | First National Bank |
|---|---|---|
| Total Assets | $99,323K | $97,619K |
| Total Deposits | $86,182K | $91,639K |
| Total Loans | $25,814K | $38,158K |
| Total Equity | $12,504K | $5,754K |
| Net Income (quarter) | $308 | $165 |
Liquidity & funding
| Metric | First National Bank of Hebbronville, the | First National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 29.95% | 41.64% |
| Core Deposit Ratio | 81.11% | 87.38% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Hebbronville, the | First National Bank |
|---|---|---|
| Headquarters City | HEBBRONVILLE | ROTAN |
| Headquarters State | TX | TX |
| Asset Tier | Micro | Micro |
| Charter Class | 12995 | 23182 |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 17 | 14 |
| Established | Jan. 1, 1913, midnight | April 1, 1997, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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