The First National Bank of Hebbronville: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 3300.00 percentage points in Q2 2026, from 3400.00% to 6700.00%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of Hebbronville is 229th of 345 on return on assets, 1.16% as of Q2 2026, below the middle of the field. The First National Bank of Hebbronville reported 1.16% on return on assets for Q2 2026, 0.09 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 48.13% |
| Tier 1 risk-based capital ratio | 48.13% |
| Total risk-based capital ratio | 48.74% |
| Tier 1 leverage ratio | 16.51% |
| Equity capital to assets | 12.81% |
| Tangible equity to tangible assets | 12.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 0.91% |
| Allowance for credit losses to loans | 0.79% |
| Reserve coverage of non-performing loans | 6700.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 9.20% |
| Net interest margin | 3.37% |
| Efficiency ratio | 67.82% |
| Yield on earning assets | 4.85% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 28.94% |
| Core deposits to total deposits | 79.75% |
| Brokered deposits to total deposits | 7.93% |
| Deposits to assets | 86.56% |
| Securities to assets | 60.83% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 46.82% | 46.82% | 47.74% | 19.54% | 1.29% |
| Q4 2023 | 45.26% | 45.26% | 46.11% | 19.37% | 0.63% |
| Q1 2024 | 45.62% | 45.62% | 46.47% | 19.02% | 0.84% |
| Q2 2024 | 45.97% | 45.97% | 46.79% | 19.47% | 0.70% |
| Q3 2024 | 46.37% | 46.37% | 47.13% | 19.62% | 1.07% |
| Q4 2024 | 44.83% | 44.83% | 45.53% | 19.10% | 1.25% |
| Q1 2025 | 46.09% | 46.09% | 46.79% | 17.81% | 1.37% |
| Q2 2025 | 46.31% | 46.31% | 46.97% | 18.03% | 1.01% |
| Q3 2025 | 47.40% | 47.40% | 48.04% | 18.35% | 2.43% |
| Q4 2025 | 45.55% | 45.55% | 46.16% | 16.52% | 1.57% |
| Q1 2026 | 47.30% | 47.30% | 47.91% | 16.83% | 1.26% |
| Q2 2026 | 48.13% | 48.13% | 48.74% | 16.51% | 1.16% |
The First National Bank of Hebbronville vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Hebbronville, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Hebbronville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3248) · FFIEC NIC profile (RSSD 173959)