The First National Bank of Hebbronville
Also written as FNB of Hebbronville
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Hebbronville is an FDIC-insured commercial bank headquartered in Hebbronville, TX, supervised by the OCC, with $102.0M in total assets at Q2 2026, up 9.5% from Q2 2025, the 308th largest of 346 banks headquartered in Texas. It was established in 1913 and holds FDIC certificate 3248. Its CET1 capital ratio was 48.13% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3248
- Headquarters
- Hebbronville, TX
- Established
- 1913
- Total assets, Q2 2026
- $102.0M
- Assets vs Q2 2025
- +9.5%
- CET1 ratio, Q2 2026
- 48.13%
- Domestic offices
- 1 · The First National Bank of Hebbronville branches FDIC institution directory, current count
- Routing number
- 114916019
- Safety and soundness
- Is The First National Bank of Hebbronville safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Hebbronville Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- HEBBRONVILLE REGIONAL BANCSHARES, INC.
- Asset rank in state
- 308th of 346 in Texas
The First National Bank of Hebbronville carries far more capital than most banks of its size. Based in Hebbronville, Texas, it had $102 million in assets at June 30, 2026, up 9.5% from a year earlier. It holds common equity equal to 48.13% of its risk-weighted assets, about triple the median of 15.11% for the 2,627 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 12% of its capital, a small fraction of the median of 1.2 times for banks its size.
Net income for the quarter rose 27% from a year earlier, to $294,000. Over the same year, loans shrank 3.1% and deposits grew 9.3%. Its margin is thin by comparison: it keeps 3.37 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
As of June 30, 2026, The First National Bank of Hebbronville reported a CET1 capital ratio of 48.13%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 0.91%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The First National Bank of Hebbronville is the 308th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.7% to $102.0M, loans fell 1.0% and deposits rose 2.4%. 1-4 family residential loans made up 28.3% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 25.8%. The FDIC Summary of Deposits lists a single office for it, in Hebbronville, TX. By the capital ratios in its Q2 2026 call report, The First National Bank of Hebbronville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 305 N Smith Ave, Hebbronville, TX 78361
- County
- Jim Hogg
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $88.3M
- Allowance for credit losses
- $201K
- Net charge-offs (YTD)
- $9K
- Average total assets
- $101.3M
- Average total loans
- $25.5M
- Average interest-bearing deposits
- $63.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3248
- Fed RSSD
- 173959
- Website
- www.fnbhebb.com →
- Parent Holding Company
- HEBBRONVILLE REGIONAL BANCSHARES, INC. (RSSD 3828241)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The First National Bank of Hebbronville's total assets moved between a low of $82.7M (Q3 2023) and a high of $102.0M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$102.0M total assets against $93.1M; $88.9M total liabilities against $81.3M.
$25.3M net loans and leases against $26.1M; $88.3M total deposits against $80.8M.
$62.0M securities against $53.8M; $8.2M cash and balances due against $6.6M.
$1.1M total interest income against $1.0M; $351K total interest expense against $354K.
$768K net interest income against $669K.
$215K total noninterest income against $205K; $689K total noninterest expense against $643K.
$0 provision for credit losses against $0.
$294K net income against $231K.
1.16% return on assets against 1.01%; 3.37% net interest margin against 3.22%.
48.13% CET1 capital ratio against 46.31%; 16.51% tier 1 leverage ratio against 18.03%.
Inside the full The First National Bank of Hebbronville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Hebbronville rankings
Its closest position to the top of a national ranking is 2 of 2,134, for CET1 ratio; its furthest is 3,652 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.01% (Q2 2025) to 2.43% (Q3 2025) and its net interest margin ran from 3.00% (Q1 2025) to 3.63% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 48.13% | 1.16% | 0.47% | 0.91% | 3.37% |
| Q1 2026 | 47.30% | 1.26% | 0.09% | 0.18% | 3.38% |
| Q4 2025 | 45.55% | 1.57% | 1.70% | 3.50% | 3.63% |
| Q3 2025 | 47.40% | 2.43% | 0.47% | 0.96% | 3.40% |
| Q2 2025 | 46.31% | 1.01% | 0.50% | 1.11% | 3.22% |
| Q1 2025 | 46.09% | 1.37% | 0.09% | 0.20% | 3.00% |
| Q4 2024 | 44.83% | 1.25% | 0.54% | 1.34% | 3.51% |
| Q3 2024 | 46.37% | 1.07% | 0.57% | 1.26% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Hebbronville | Hebbronville , TX | 78361 | $88.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action December 9, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 379 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $887K approved, $887K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Hebbronville
What are The First National Bank of Hebbronville's total assets?
As of the Q2 2026 filing, The First National Bank of Hebbronville reported total assets of $102.0 million in its FFIEC call report.
Where is The First National Bank of Hebbronville headquartered?
It is headquartered in Hebbronville, TX, United States.
When was The First National Bank of Hebbronville founded?
It was established in 1913, per the FDIC institution directory.
Is The First National Bank of Hebbronville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3248). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Hebbronville?
The First National Bank of Hebbronville's primary federal regulator is the OCC.
What is The First National Bank of Hebbronville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 48.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Hebbronville operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Hebbronville's Texas Ratio?
Its Texas Ratio is 0.91% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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