The First National Bank of Hereford: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 11.65 percentage points in Q2 2026, from 89.37% to 101.02%. It was the largest change from Q1 2026 among the key lines here. Among 346 Texas banks, The First National Bank of Hereford sits 14th from the top on loan-to-deposit ratio, 101.02% as of Q2 2026. The First National Bank of Hereford reported 101.02% on loan-to-deposit ratio for Q2 2026, 20.07 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $297.4M |
| Net loans and leases | $293.7M |
| Loans held for sale | $0 |
| Loans to total assets | 86.31% |
| Loan-to-deposit ratio | 101.02% |
| Net loans to equity capital | 7.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.06% |
| Multifamily (5+ residential) | 1.66% |
| Commercial and industrial | 27.04% |
| Consumer | 1.35% |
| Credit cards | 0.00% |
| Farm | 8.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 97.31% |
| Construction concentration (Tier 1 capital + allowance) | 7.60% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.17% |
| Interest income on loans | $5.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $220.4M | $225.5M | 8.65% | 21.15% | 1.47% |
| Q4 2023 | $224.9M | $248.6M | 9.61% | 20.73% | 1.52% |
| Q1 2024 | $229.1M | $246.7M | 12.02% | 20.69% | 1.65% |
| Q2 2024 | $237.2M | $253.0M | 12.39% | 19.12% | 1.61% |
| Q3 2024 | $237.3M | $261.2M | 13.03% | 20.20% | 1.67% |
| Q4 2024 | $246.9M | $284.2M | 12.63% | 20.45% | 1.64% |
| Q1 2025 | $258.4M | $278.5M | 12.69% | 20.35% | 1.52% |
| Q2 2025 | $262.1M | $286.0M | 13.87% | 20.13% | 1.39% |
| Q3 2025 | $273.4M | $291.2M | 12.61% | 19.64% | 1.43% |
| Q4 2025 | $298.6M | $333.5M | 11.44% | 19.69% | 1.25% |
| Q1 2026 | $285.5M | $319.4M | 11.54% | 19.99% | 1.33% |
| Q2 2026 | $297.4M | $294.4M | 13.06% | 27.04% | 1.35% |
The First National Bank of Hereford loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Hereford, freeSource: Call Report Schedule RC-C, 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 Hereford profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34918) · FFIEC NIC profile (RSSD 2759629)