The First National Bank of Hereford
Also written as FNB of Hereford
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Hereford is an FDIC-insured commercial bank headquartered in Hereford, TX, established in 1999 (FDIC certificate 34918), and it is supervised by the OCC. At Q2 2026 it reported total assets of $344.6M, up 6.0% from Q2 2025, the 196th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.32% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34918
- Headquarters
- Hereford, TX
- Established
- 1999
- Total assets, Q2 2026
- $344.6M
- Assets vs Q2 2025
- +6.0%
- Tier 1 leverage ratio, Q2 2026
- 12.32%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111324293
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Hereford call report
- Holding company
- LA PLATA BANCSHARES, INC.
- Asset rank in state
- 196th of 346 in Texas
The First National Bank of Hereford is one of the more profitable banks of its size. Its balance sheet stood at $345 million at June 30, 2026, up 6.0% from a year earlier; it is based in Hereford, Texas. It earns about $2.31 a year on every $100 of assets, about double the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also keeps 5.00 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.96 cents).
Net income for the quarter rose 23% from a year earlier, to $2.0 million. Over the same year, loans grew 13.5% and deposits grew 2.9%.
As of June 30, 2026, The First National Bank of Hereford reported a return on assets of 2.31%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.32%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The First National Bank of Hereford is the 196th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 5.0% to $344.6M, loans rose 4.2% and deposits fell 7.8%. Its loan book on June 30, 2026 was led by agricultural production loans, at 36.0% of total loans, followed by commercial and industrial loans at 27.0%. The FDIC Summary of Deposits lists 4 offices for it, in Hereford, TX, Friona, TX and Amarillo, TX; its Hereford 2 offices book 68% of its branch deposits. On its Q2 2026 call report, The First National Bank of Hereford meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 W 3rd St, Hereford, TX 79045
- County
- Deaf Smith
- Metro Area
- Hereford, TX
- 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
- December 6, 1999
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $294.4M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $348.6M
- Average total loans
- $291.8M
- Average interest-bearing deposits
- $211.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 6, 1999
- FDIC Cert
- 34918
- Fed RSSD
- 2759629
- SEC CIK
- 1501917 → filed by LA PLATA BANCSHARES, INC.
- Website
- http://www.fnbhereford.com →
- Parent Holding Company
- LA PLATA BANCSHARES, INC. (RSSD 2759601)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The First National Bank of Hereford reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of Hereford's total assets ranged from $270.5M (Q3 2023) to $375.3M (Q4 2025), 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
$344.6M total assets against $325.0M; $303.4M total liabilities against $289.5M.
$293.7M net loans and leases against $259.0M; $294.4M total deposits against $286.0M.
$20.0M securities against $21.8M; $9.9M cash and balances due against $23.7M.
$5.5M total interest income against $5.2M; $1.5M total interest expense against $1.5M.
$4.0M net interest income against $3.7M.
$452K total noninterest income against $434K; $2.4M total noninterest expense against $2.2M.
$70K provision for credit losses against $245K.
$2.0M net income against $1.6M.
2.31% return on assets against 2.08%; 5.00% net interest margin against 5.09%.
12.32% tier 1 leverage ratio against 12.15%.
Inside the full The First National Bank of Hereford terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The First National Bank of Hereford rankings
Its closest position to the top of a national ranking is 237 of 3,611, for ROA; its furthest is 3,075 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.86% (Q1 2025) to 2.31% (Q2 2026) and its net interest margin ran from 4.82% (Q4 2025) to 5.09% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.32% | 2.31% | 0.05% | 0.32% | 5.00% |
| Q1 2026 | 11.96% | 2.25% | 0.00% | 0.00% | 5.03% |
| Q4 2025 | 11.30% | 2.04% | 0.01% | 0.10% | 4.82% |
| Q3 2025 | 11.94% | 2.18% | 0.04% | 0.25% | 5.06% |
| Q2 2025 | 12.15% | 2.08% | 0.04% | 0.26% | 5.09% |
| Q1 2025 | 11.94% | 1.86% | 0.30% | 2.03% | 4.96% |
| Q4 2024 | 12.18% | 2.12% | 0.37% | 2.50% | 5.04% |
| Q3 2024 | 12.02% | 2.14% | 1.61% | 10.64% | 4.89% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 |
|---|---|---|---|
| First National Bank of Hereford | Hereford , TX | 79045 | $188.5M |
| Friona Branch | Friona , TX | 79035 | $73.0M |
| Amarillo Branch | Amarillo , TX | 79119 | $22.4M |
| North Branch | Hereford , TX | 79045 | $10.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 241 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 43 applications, 34 loans originated, $11.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $219K approved, $219K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Hereford
What are The First National Bank of Hereford's total assets?
As of the Q2 2026 filing, The First National Bank of Hereford reported total assets of $344.6 million in its FFIEC call report.
Where is The First National Bank of Hereford headquartered?
It is headquartered in Hereford, TX, United States.
When was The First National Bank of Hereford founded?
It was established in 1999, per the FDIC institution directory.
Is The First National Bank of Hereford FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34918). 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 Hereford?
The First National Bank of Hereford's primary federal regulator is the OCC.
How many branches does The First National Bank of Hereford operate?
It operates 4 domestic offices, 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 Hereford's Texas Ratio?
Its Texas Ratio is 0.32% 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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