BlastPoint's Banking Scorecard

First National Bank of Hereford

$100M-$1B Specialty: Agricultural TX FDIC cert 34918

Hereford, TX

4 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

First National Bank of Hereford shows strong momentum with 5 strengths and 14.6% YoY asset growth

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

+ Profitability Leader: Top 36.6% in tier
+ Deposit Franchise: Top 69.5% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 11.59% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First National Bank of Hereford releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$362.7M +14.6% YoY -3.4% QoQ	-$23.4M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$281.8M +10.3% YoY -4.5% QoQ	+$26.1M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	64%
Total Deposits ?	$319.4M +14.7% YoY -4.2% QoQ	-$8.6M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	2.12% +17.3% YoY +6.0% QoQ	+0.85%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 9.9% in tier
Net Interest Margin ?	4.92% -2.2% YoY -2.8% QoQ	+0.99%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 8.7% in tier
Efficiency Ratio ?	53.69% -5.6% YoY -1.8% QoQ	-11.59%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	88.24% -3.8% YoY -0.3% QoQ	+11.60%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	28%
Non-Interest-Bearing Deposit Share ?	29.90% -9.2% YoY -25.7% QoQ	+7.88%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	81%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.96% -8.7% YoY -3.1% QoQ	-3.87%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.13% +15.1% YoY -70.4% QoQ	-0.15%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	67%

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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 (2)

Profitability Leader

growth

#245 of 666 • Top 36.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.12%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#190 of 272 • Top 69.5% 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: 29.90%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.92%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

233

Net Interest Margin

profitability

Value: 4.92%

Peer Median: 3.93%

#233 of 2664 Top 8.7% in $100M-$1B

266

Return on Assets

profitability

Value: 2.12%

Peer Median: 1.27%

#266 of 2664 Top 9.9% in $100M-$1B

495

Non-Interest-Bearing Deposit Share

funding

Value: 29.90%

Peer Median: 22.02%

#495 of 2664 Top 18.5% in $100M-$1B

615

Efficiency Ratio

profitability

Value: 53.69%

Peer Median: 65.29%

#615 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available