BlastPoint's Banking Scorecard
The First National Bank of Hebbronville
Micro
Specialty: Other
TX
FDIC cert 3248
Designations: ✓ Community bank
Hebbronville, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Hebbronville shows strong momentum with 3 strengths and 7.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 42.88% below tier
- + Tier 1 Capital Ratio 36.70% above tier
- + Non-Interest Income / Assets 0.68% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$96.6M
+7.5% YoY
+4.8% QoQ
|
-$120.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$26.4M
-0.6% YoY
-0.8% QoQ
|
-$112.8M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$83.3M
+5.8% YoY
+6.1% QoQ
|
-$100.4M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.61%
+69.3% YoY
+0.2% QoQ
|
+0.52% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
3.29%
+9.2% YoY
+3.9% QoQ
|
-0.56% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
62.78%
-15.7% YoY
-0.2% QoQ
|
-4.95% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
1.72%
+214.4% YoY
+262.4% QoQ
|
+1.08% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
31.64%
-6.1% YoY
-6.5% QoQ
|
-42.88% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.81%
+10.3% YoY
+13.5% QoQ
|
+6.42% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.47%
+190.7% YoY
+243.0% QoQ
|
+0.02% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
45.55%
+1.6% YoY
-3.9% QoQ
|
+36.70% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
1.24%
+33.9% YoY
+17.1% QoQ
|
+0.68% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (3)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
31.64%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
45.55%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.24%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Tier 1 Capital Ratio
Current: 45.55% · Tier avg: 8.85%
98
98th pctile
Loan-to-Deposit Ratio
Current: 31.64% · Tier avg: 74.53%
95
95th pctile
Non-Interest Income / Assets
Current: 1.24% · Tier avg: 0.56%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.81% · Tier avg: 22.39%
59
59th pctile
Efficiency Ratio
Current: 62.78% · Tier avg: 67.73%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
25
25th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.85%
23
23th pctile
Total Deposits
Current: $83.3M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $96.6M · Tier avg: $217.5M
16
16th pctile
Delinquency Rate
Current: 1.72% · Tier avg: 0.64%
9
9th pctile
Total Loans
Current: $26.4M · Tier avg: $139.2M
Top Weaknesses
9
9th pctile
Total Loans
Current: $26.4M · Tier avg: $139.2M
16
16th pctile
Delinquency Rate
Current: 1.72% · Tier avg: 0.64%
22
22th pctile
Total Assets
Current: $96.6M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $83.3M · Tier avg: $183.7M
25
25th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.85%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
59
59th pctile
Efficiency Ratio
Current: 62.78% · Tier avg: 67.73%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.81% · Tier avg: 22.39%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
95
95th pctile
Non-Interest Income / Assets
Current: 1.24% · Tier avg: 0.56%
98
98th pctile
Loan-to-Deposit Ratio
Current: 31.64% · Tier avg: 74.53%
100
100th pctile
Tier 1 Capital Ratio
Current: 45.55% · Tier avg: 8.85%