The First National Bank of Hereford: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 11.65 percentage points higher than in Q1 2026, at 101.02%. The First National Bank of Hereford ranks 38th of 345 Texas banks on return on assets, in the upper half at 2.31% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The First National Bank of Hereford reported 2.31% on return on assets in Q2 2026, 1.06 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.32% |
| Equity capital to assets | 11.95% |
| Tangible equity to tangible assets | 11.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.32% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.31% |
| Return on equity | 19.95% |
| Net interest margin | 5.00% |
| Efficiency ratio | 53.00% |
| Yield on earning assets | 6.80% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.02% |
| Core deposits to total deposits | 80.25% |
| Brokered deposits to total deposits | 5.45% |
| Deposits to assets | 85.44% |
| Securities to assets | 5.81% |
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 | 11.07% | 11.07% | 12.07% | 10.02% | 1.78% |
| Q4 2023 | 11.27% | 11.27% | 12.28% | 9.96% | 1.78% |
| Q1 2024 | 11.00% | 11.00% | 12.05% | 9.85% | 1.71% |
| Q2 2024 | 11.17% | 11.17% | 12.20% | 10.30% | 2.23% |
| Q3 2024 | 13.34% | 13.34% | 14.38% | 12.02% | 2.14% |
| Q4 2024 | 13.24% | 13.24% | 14.26% | 12.18% | 2.12% |
| Q1 2025 | 13.11% | 13.11% | 14.16% | 11.94% | 1.86% |
| Q2 2025 | 13.21% | 13.21% | 14.33% | 12.15% | 2.08% |
| Q3 2025 | 13.23% | 13.23% | 14.35% | 11.94% | 2.18% |
| Q4 2025 | 12.35% | 12.35% | 13.45% | 11.30% | 2.04% |
| Q1 2026 | — | — | — | 11.96% | 2.25% |
| Q2 2026 | — | — | — | 12.32% | 2.31% |
The First National Bank of Hereford 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 Hereford, 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 Hereford profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34918) · FFIEC NIC profile (RSSD 2759629)