The First National Bank of Hebbronville: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Hebbronville of Hebbronville, TX against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.16% | 1.34% | -0.18% | 43rd below |
| ROAE | 9.20% | 13.32% | -4.12% | 32nd below |
| Net Interest Margin | 3.37% | 3.93% | -0.56% | 22nd bottom |
| Efficiency Ratio | 67.82% | 61.13% | +6.69% | 33rd below |
| PPNR / Avg Assets | 1.16% | 1.68% | -0.52% | 27th below |
| Yield on Earning Assets | 4.85% | 5.67% | -0.82% | 18th bottom |
| Cost of Funds | 1.61% | 1.88% | -0.27% | 63rd above |
| Net Interest Spread | 2.62% | 3.32% | -0.70% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 84th top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 86th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 26th below |
| ACL / Total Loans | 0.79% | 1.28% | -0.49% | 10th bottom |
| ACL / NPLs (Coverage) | 6700.00% | 1545.56% | +5154.44% | — |
| Texas Ratio | 0.91% | 7.34% | -6.43% | 74th above |
| Provision / NCO | 0.00% | 1395.08% | -1395.08% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 48.13% | 19.48% | +28.65% | 98th top |
| Tier 1 Ratio | 48.13% | 19.51% | +28.62% | 98th top |
| Total Capital Ratio | 48.74% | 20.60% | +28.14% | 98th top |
| Leverage Ratio | 16.51% | 12.14% | +4.37% | 92nd top |
| Equity / Assets | 12.81% | 11.36% | +1.45% | 77th top |
| TCE / Tangible Assets | 12.81% | 11.08% | +1.73% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 28.94% | 80.67% | -51.73% | 98th top |
| Core Deposit Ratio | 79.75% | 86.85% | -7.10% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.54% | 6.84% | +2.70% | 81st top |
| Loan Growth (Y/Y) | -3.15% | 7.92% | -11.07% | 11th bottom |
| Deposit Growth (Y/Y) | 9.31% | 6.29% | +3.02% | 80th top |
See The First National Bank of Hebbronville's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Hebbronville, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Hebbronville profile, how to read a UBPR, or how this data updates.