BlastPoint's Banking Scorecard

The First National Bank of Hebbronville

$100M-$1B Specialty: Other TX FDIC cert 3248

Hebbronville, TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +9.3% year over year ($88.3M on the books).
Delinquency rate 0.48%.
Return on assets 1.21%.
Efficiency ratio 69.13% vs a 64.48% peer average.
Loan-to-deposit ratio 28.71% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

The First National Bank of Hebbronville has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

- ROA 0.11% below tier average
- Net Interest Margin 0.71% below tier average
- Efficiency Ratio 4.65% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$102.0M +9.5% YoY +2.7% QoQ	-$284.6M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 0.5% in tier
Total Loans ?	$25.3M -3.0% YoY -1.0% QoQ	-$233.0M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 0.9% in tier
Total Deposits ?	$88.3M +9.3% YoY +2.4% QoQ	-$238.5M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 2.2% in tier
Return on Assets ?	1.21% +2.0% YoY -3.6% QoQ	-0.11%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	48%
Net Interest Margin ?	3.27% +6.1% YoY +0.7% QoQ	-0.71%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	19%
Efficiency Ratio ?	69.13% -0.9% YoY +1.4% QoQ	+4.65%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	0.48% -6.2% YoY +431.7% QoQ	-0.44%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	47%
Loan-to-Deposit Ratio ?	28.71% -11.3% YoY -3.4% QoQ	-49.24%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 1.5% in tier
Non-Interest-Bearing Deposit Share ?	27.65% +11.7% YoY -0.4% QoQ	+5.62%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	75%
Nonperforming Asset Ratio ?	0.12% -16.9% YoY +412.4% QoQ	-0.55%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	69%
Tier 1 Capital Ratio ?	48.13% +3.9% YoY +1.8% QoQ	+32.22%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 1.0% in tier
Non-Interest Income / Assets ?	0.44% -20.3% YoY +87.6% QoQ	-0.13%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 12.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	27.6% +2.9pp YoY -0.1pp QoQ	+5.5pp	22.1%	29.2%	22.2%	75%
Brokered Deposits	7.9% -0.7pp YoY -0.2pp QoQ	+0.1pp	7.9%	8.0%	8.5%	68%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	5.2% -2.3pp YoY -0.3pp QoQ	-6.3pp	11.6%	14.8%	12.5%	21%
CRE	12.9% -0.1pp YoY 0.0pp QoQ	-26.7pp	39.5%	48.4%	41.4%	8%
1-4 Family	28.5% -2.3pp YoY -0.7pp QoQ	-4.1pp	32.6%	25.8%	31.3%	48%
Consumer	34.1% +1.7pp YoY +1.2pp QoQ	+30.0pp	4.1%	4.7%	5.0%	99%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	48.1% +1.8pp YoY +0.8pp QoQ	+29.3pp	18.8%	22.7%	19.7%	98%
Leverage Ratio	16.5% -1.5pp YoY -0.3pp QoQ	+4.3pp	12.2%	12.6%	12.6%	92%
Total Capital Ratio	48.7% +1.8pp YoY +0.8pp QoQ	+28.8pp	19.9%	23.8%	20.8%	98%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	17 +2 (+13.3%) YoY 0 QoQ	-42	58	186	482	7%
Assets per Employee ($)	$6.0M -3.4% YoY +2.7% QoQ	-$1.5M	$7.5M	$10.1M	$8.8M	34%
Branch Count	1 0 YoY 0 QoQ	-4	4	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.5% 0.0pp YoY +0.4pp QoQ	+0.1pp	0.3%	0.3%	0.4%	82%
Nonaccrual	0.0% -0.1pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.0%	1.0%	4%
Allowance Coverage	1.66x -6.4% YoY -81.3% QoQ	-22.49x	24.15x	18.82x	20.23x	42%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	9.4% -0.2pp YoY -0.3pp QoQ	-2.8pp	12.2%	13.2%	11.6%	33%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.6%	1.7%	35%
Net Income ($, YTD)	$602,000 +10.3% YoY — QoQ	-$2.0M	$2.6M	$15.9M	$40.4M	13%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Tier 1 Capital Ratio

capital

Value: 48.13%

Peer Median: 15.91%

#27 of 2643 Top 1.0% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 28.71%

Peer Median: 77.95%

#41 of 2643 Top 1.5% in $100M-$1B

318

Non-Interest Income / Assets

revenue_mix

Value: 0.44%

Peer Median: 0.57%

#318 of 2643 Top 12.0% in $100M-$1B

658

Non-Interest-Bearing Deposit Share

funding

Value: 27.65%

Peer Median: 22.03%

#658 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (4 metrics)

2632

Total Assets

size

Value: $101.98M

Peer Median: $386.57M

#2632 of 2643 Bottom 0.5% in $100M-$1B

2619

Total Loans

size

Value: $25.34M

Peer Median: $258.35M

#2619 of 2643 Bottom 0.9% in $100M-$1B

2587

Total Deposits

size

Value: $88.28M

Peer Median: $326.73M

#2587 of 2643 Bottom 2.2% in $100M-$1B

2152

Net Interest Margin

profitability

Value: 3.27%

Peer Median: 3.99%

#2152 of 2643 Bottom 18.6% in $100M-$1B