BlastPoint's Banking Scorecard
The First National Bank of Hebbronville
Designations: ✓ Community bank
Hebbronville, TX
The First National Bank of Hebbronville has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.44% below tier average
- + ROA 0.40% above tier average
- + Efficiency Ratio 19.48% below tier average
- + Delinquency Rate 1.27% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.62% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$99.3M
+7.3% YoY
+2.8% QoQ
|
+$37.0M |
$62.3M
-0.5% YoY
|
$2.2B
+1.1% YoY
|
$6.2B
+9.0% YoY
|
Top 0.6% in tier |
| Total Loans ? |
$25.6M
-1.4% YoY
-2.8% QoQ
|
-$8.7M |
$34.3M
-1.5% YoY
|
$1.0B
+10.3% YoY
|
$3.2B
+10.7% YoY
|
37% |
| Total Deposits ? |
$86.2M
+7.2% YoY
+3.5% QoQ
|
+$34.4M |
$51.8M
-0.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.0% YoY
|
Top 2.4% in tier |
| Return on Assets ? |
1.26%
-9.0% YoY
-21.7% QoQ
|
+0.40% |
0.86%
-3.6% YoY
|
1.40%
+10.4% YoY
|
1.24%
+13.1% YoY
|
65% |
| Net Interest Margin ? |
3.25%
+8.2% YoY
-1.3% QoQ
|
-0.62% |
3.87%
+2.7% YoY
|
4.02%
+2.6% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
68.15%
+2.9% YoY
+8.6% QoQ
|
-19.48% |
87.63%
+2.3% YoY
|
63.21%
-2.3% YoY
|
66.84%
-3.8% YoY
|
58% |
| Delinquency Rate ? |
0.09%
+1.4% YoY
-94.8% QoQ
|
-1.27% |
1.36%
+33.7% YoY
|
0.96%
+37.0% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
29.72%
-7.9% YoY
-6.1% QoQ
|
-34.39% |
64.11%
-0.9% YoY
|
67.20%
-0.8% YoY
|
76.69%
+0.9% YoY
|
Top 8.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.76%
+12.3% YoY
-3.6% QoQ
|
+3.97% |
23.79%
+0.5% YoY
|
29.01%
-1.0% YoY
|
22.01%
-1.1% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.02%
-6.8% YoY
-95.1% QoQ
|
-0.75% |
0.77%
+28.7% YoY
|
0.62%
+32.0% YoY
|
0.66%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
47.30%
+2.6% YoY
+3.8% QoQ
|
+20.52% |
26.77%
+2.0% YoY
|
18.06%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 7.4% in tier |
| Non-Interest Income / Assets ? |
0.23%
-29.6% YoY
-81.2% QoQ
|
-0.44% |
0.67%
+1.6% YoY
|
0.20%
+4.1% YoY
|
0.32%
+4.0% YoY
|
Top 9.7% in tier |
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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 (0)
Concerns (0)
Metric Rankings
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