BlastPoint's Banking Scorecard
First National Bank of Hereford
Micro
Specialty: Agricultural
TX
FDIC cert 34918
Designations: ✓ Community bank
Hereford, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First National Bank of Hereford shows strong momentum with 3 strengths and 16.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.92% above tier
- + Net Interest Margin 1.21% above tier
- + Non-Interest-Bearing Deposit Share 17.82% 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 ? |
$375.3M
+16.9% YoY
+13.0% QoQ
|
+$157.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$295.1M
+20.8% YoY
+9.2% QoQ
|
+$155.9M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$333.5M
+17.3% YoY
+14.5% QoQ
|
+$149.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
2.00%
-0.9% YoY
-0.1% QoQ
|
+0.92% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
5.06%
+0.7% YoY
-0.1% QoQ
|
+1.21% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
54.66%
-4.0% YoY
-1.2% QoQ
|
-13.06% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.01%
-96.0% YoY
-59.7% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
88.50%
+3.0% YoY
-4.6% QoQ
|
+13.97% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
40.22%
+2.1% YoY
+32.2% QoQ
|
+17.82% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-95.9% YoY
-61.1% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
12.35%
-6.7% YoY
-6.7% QoQ
|
+3.50% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.45%
-8.7% YoY
+22.7% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.00%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.06%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
40.22%
(Tier avg: 22.39%, National avg: 21.79%)
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
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.22% · Tier avg: 22.39%
92
92th pctile
Total Loans
Current: $295.1M · Tier avg: $139.2M
91
91th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%
87
87th pctile
Total Deposits
Current: $333.5M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $375.3M · Tier avg: $217.5M
82
82th pctile
Efficiency Ratio
Current: 54.66% · Tier avg: 67.73%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.35% · Tier avg: 8.85%
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.50% · Tier avg: 74.53%
Top Weaknesses
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.50% · Tier avg: 74.53%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.35% · Tier avg: 8.85%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
80
80th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
82
82th pctile
Efficiency Ratio
Current: 54.66% · Tier avg: 67.73%
84
84th pctile
Total Assets
Current: $375.3M · Tier avg: $217.5M
87
87th pctile
Total Deposits
Current: $333.5M · Tier avg: $183.7M
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%
91
91th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%
92
92th pctile
Total Loans
Current: $295.1M · Tier avg: $139.2M
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.22% · Tier avg: 22.39%