BlastPoint's Banking Scorecard

The First National Bank of Hebbronville

under $100M Specialty: Other TX FDIC cert 3248

Designations: ✓ Community bank

Hebbronville, TX

541 banks in the under $100M peer group nationally 38 in TX

The First National Bank of Hebbronville has 4 strengths but faces 1 concern

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

+ Non-Interest Income / Assets 0.43% below tier average
+ ROA 0.42% above tier average
+ Efficiency Ratio 20.19% below tier average
+ Delinquency Rate 1.28% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.61% below tier average

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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	+$37.2M	$62.2M -0.6% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 0.6% in tier
Total Loans ?	$25.6M -1.4% YoY -2.8% QoQ	-$8.6M	$34.2M -1.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	37%
Total Deposits ?	$86.2M +7.2% YoY +3.5% QoQ	+$34.4M	$51.7M -0.7% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 2.4% in tier
Return on Assets ?	1.26% -9.0% YoY -21.7% QoQ	+0.42%	0.84% -2.3% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	3.25% +8.2% YoY -1.3% QoQ	-0.61%	3.86% +2.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	68.15% +2.9% YoY +8.6% QoQ	-20.19%	88.34% +0.3% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	58%
Delinquency Rate ?	0.09% +1.4% YoY -94.8% QoQ	-1.28%	1.37% +33.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	64%
Loan-to-Deposit Ratio ?	29.72% -7.9% YoY -6.1% QoQ	-34.50%	64.22% -0.7% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 8.9% in tier
Non-Interest-Bearing Deposit Share ?	27.76% +12.3% YoY -3.6% QoQ	+4.05%	23.71% +0.3% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	67%
Nonperforming Asset Ratio ?	0.02% -6.8% YoY -95.1% QoQ	-0.76%	0.79% +28.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	68%
Tier 1 Capital Ratio ?	47.30% +2.6% YoY +3.8% QoQ	+20.61%	26.68% +2.0% YoY	18.04% +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	-0.43%	0.67% +1.9% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 9.6% in tier

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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 541 peers in under $100M

Top Strengths (5 metrics)

Total Assets

size

Value: $99.32M

Peer Median: $62.16M

#4 of 541 Top 0.6% in under $100M

Total Deposits

size

Value: $86.18M

Peer Median: $51.74M

#14 of 541 Top 2.4% in under $100M

Tier 1 Capital Ratio

capital

Value: 47.30%

Peer Median: 26.68%

#41 of 541 Top 7.4% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 29.72%

Peer Median: 64.22%

#49 of 541 Top 8.9% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.67%

#53 of 541 Top 9.6% in under $100M

Top Weaknesses (1 metrics)

422

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.86%

#422 of 541 Bottom 22.2% in under $100M