The First National Bank of Hereford: 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 Hereford of Hereford, TX against its peer group of 2672 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 | 2.31% | 1.35% | +0.96% | 92nd top |
| ROAE | 19.95% | 12.05% | +7.90% | 87th top |
| Net Interest Margin | 5.00% | 3.90% | +1.10% | 92nd top |
| Efficiency Ratio | 53.00% | 63.15% | -10.15% | 75th top |
| PPNR / Avg Assets | 2.39% | 1.64% | +0.75% | 87th top |
| Yield on Earning Assets | 6.80% | 5.65% | +1.15% | 93rd top |
| Cost of Funds | 1.93% | 1.85% | +0.08% | 41st below |
| Net Interest Spread | 4.11% | 3.35% | +0.76% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 42nd below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 54th above |
| Texas Ratio | 0.32% | 7.15% | -6.83% | 83rd top |
| Provision / NCO | 2833.33% | 1188.21% | +1645.12% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.32% | 12.46% | -0.14% | 68th above |
| Equity / Assets | 11.95% | 11.67% | +0.28% | 71st above |
| TCE / Tangible Assets | 11.94% | 11.40% | +0.54% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.02% | 78.64% | +22.38% | 10th bottom |
| Core Deposit Ratio | 80.25% | 87.10% | -6.85% | 17th bottom |
| Wholesale Funding Ratio | 1.45% | 5.11% | -3.66% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.01% | 6.47% | -0.46% | 62nd above |
| Loan Growth (Y/Y) | 13.45% | 7.64% | +5.81% | 83rd top |
| Deposit Growth (Y/Y) | 2.94% | 6.02% | -3.08% | 42nd below |
See The First National Bank of Hereford's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Hereford, 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 Hereford profile, how to read a UBPR, or how this data updates.