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The First National Bank of Hughes Springs

$100M-$1B Specialty: Commercial TX FDIC cert 3268

Hughes Springs, TX

17 branches across 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 -0.5% year over year ($283.1M on the books).
  • Delinquency rate 2.26%.
  • Return on assets 2.18%.
  • Efficiency ratio 63.98% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.63% 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 Hughes Springs has 3 strengths 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

  • + Deposit Franchise: Top 4.3% in tier
  • + Return on Assets 0.86% above tier average
  • + Efficiency Ratio 0.50% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 52.4% in tier
  • - Cost Spiral: Bottom 62.3% in tier
  • - Delinquency Rate 1.34% above tier average
Get updates when The First National Bank of Hughes Springs releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $319.5M
-0.5% YoY -0.6% QoQ
-$67.0M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
49%
Total Loans ? $205.6M
-7.5% YoY -0.1% QoQ
-$52.7M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $283.1M
-0.5% YoY -1.3% QoQ
-$43.6M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 2.18%
-29.6% YoY -7.9% QoQ
+0.86% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 9.2% in tier
Net Interest Margin ? 6.48%
-4.2% YoY +0.3% QoQ
+2.50% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 0.9% in tier
Efficiency Ratio ? 63.98%
+13.7% YoY +7.4% QoQ
-0.50% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
45%
Delinquency Rate ? 2.26%
-2.3% YoY +4.8% QoQ
+1.34% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 10.7% in tier
Loan-to-Deposit Ratio ? 72.63%
-7.0% YoY +1.2% QoQ
-5.33% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
65%
Non-Interest-Bearing Deposit Share ? 56.90%
+5.0% YoY -0.5% QoQ
+34.87% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 0.9% in tier
Nonperforming Asset Ratio ? 1.58%
-15.9% YoY -17.1% QoQ
+0.91% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 11.1% in tier
Tier 1 Capital Ratio ? 17.08%
+4.1% YoY +2.9% QoQ
+1.17% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.14%
-61.2% YoY -24.6% QoQ
-0.42% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
33%

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 56.9%
+2.7pp YoY
-0.3pp QoQ
 +34.8pp 22.1% 29.2% 22.2% 99%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 13.7%
-1.2pp YoY
+0.3pp QoQ
 +2.2pp 11.6% 14.8% 12.5% 71%
CRE 26.0%
-2.5pp YoY
+0.3pp QoQ
 -13.6pp 39.5% 48.4% 41.4% 28%
1-4 Family 34.6%
+3.2pp YoY
-0.2pp QoQ
 +2.0pp 32.6% 25.8% 31.3% 61%
Consumer 6.4%
-0.6pp YoY
0.0pp QoQ
 +2.3pp 4.1% 4.7% 5.0% 83%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 17.1%
+0.7pp YoY
+0.5pp QoQ
 -1.7pp 18.8% 22.7% 19.7% 64%
Leverage Ratio 11.0%
-0.7pp YoY
+0.3pp QoQ
 -1.1pp 12.2% 12.6% 12.6% 51%
Total Capital Ratio 18.3%
+0.7pp YoY
+0.5pp QoQ
 -1.6pp 19.9% 23.8% 20.8% 65%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 109
+1 (+0.9%) YoY
-1 (-0.9%) QoQ
 +50 58 186 482 89%
Assets per Employee ($) $2.9M
-1.4% YoY
+0.3% QoQ
 -$4.6M $7.5M $10.1M $8.8M 1%
Branch Count 17
0 YoY
0 QoQ
 +12 4 12 18 99%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 1.8%
+0.3pp YoY
+0.1pp QoQ
 +1.4pp 0.3% 0.3% 0.4% 96%
Nonaccrual 0.5%
-0.4pp YoY
0.0pp QoQ
 -0.4pp 0.9% 1.0% 1.0% 53%
Allowance Coverage 0.60x
+16.7% YoY
-7.9% QoQ
 -23.55x 24.15x 18.82x 20.23x 14%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
-0.2pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 20.5%
-8.4pp YoY
-2.3pp QoQ
 +8.3pp 12.2% 13.2% 11.6% 89%
Cost of Funds (YTD) 0.2%
0.0pp YoY
0.0pp QoQ
 -1.5pp 1.7% 1.6% 1.7% 1%
Net Income ($, YTD) $3.5M
-28.5% YoY
— QoQ
 +$930K $2.6M $15.9M $40.4M 75%

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 (1)

Deposit Franchise

growth
#13 of 278 • Top 4.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 56.90%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 6.48%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (2)

Margin Compression

decline
#162 of 307 • Bottom 52.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 2.18%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Cost Spiral

risk
#87 of 138 • Bottom 62.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 63.98%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

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

Top Strengths (4 metrics)

24
Net Interest Margin
profitability
Value: 6.48%
Peer Median: 3.99%
#24 of 2643 Top 0.9% in $100M-$1B
25
Non-Interest-Bearing Deposit Share
funding
Value: 56.90%
Peer Median: 22.03%
#25 of 2643 Top 0.9% in $100M-$1B
243
Return on Assets
profitability
Value: 2.18%
Peer Median: 1.32%
#243 of 2643 Top 9.2% in $100M-$1B
604
Tier 1 Capital Ratio
capital
Value: 17.08%
Peer Median: 15.91%
#604 of 2643 Top 22.8% in $100M-$1B

Top Weaknesses (2 metrics)

2352
Delinquency Rate
credit_quality
Value: 2.26%
Peer Median: 0.92%
#2352 of 2633 Bottom 10.7% in $100M-$1B
2350
Nonperforming Asset Ratio
credit_quality
Value: 1.58%
Peer Median: 0.67%
#2350 of 2643 Bottom 11.1% in $100M-$1B
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