BlastPoint's Banking Scorecard
First National Bank of Hereford
Hereford, TX
4 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 +2.9% year over year ($294.4M on the books).
- Delinquency rate 0.05%.
- Return on assets 2.20%.
- Efficiency ratio 53.47% vs a 64.48% peer average.
- Loan-to-deposit ratio 99.77% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank of Hereford has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 10.0% in tier
- + Profitability Leader: Top 30.4% in tier
- + Deposit Franchise: Top 68.0% in tier
- + Efficiency Ratio 11.01% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.1% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$344.6M
+6.0% YoY
-5.0% QoQ
|
-$42.0M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$293.7M
+13.4% YoY
+4.2% QoQ
|
+$35.4M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$294.4M
+2.9% YoY
-7.8% QoQ
|
-$32.3M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
2.20%
+14.9% YoY
+3.7% QoQ
|
+0.88% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 8.9% in tier |
| Net Interest Margin ? |
4.98%
-1.4% YoY
+1.2% QoQ
|
+0.99% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 8.4% in tier |
| Efficiency Ratio ? |
53.47%
-3.6% YoY
-0.4% QoQ
|
-11.01% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
76% |
| Delinquency Rate ? |
0.05%
+27.0% YoY
|
-0.87% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
99.77%
+10.2% YoY
+13.1% QoQ
|
+21.82% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.90%
+0.0% YoY
+0.0% QoQ
|
+7.87% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.04%
+35.8% YoY
|
-0.63% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
12.32%
-6.8% YoY
+2.9% QoQ
|
-3.59% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.27%
+10.2% YoY
+104.4% QoQ
|
-0.30% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
67% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
29.9%
0.0pp YoY 0.0pp QoQ |
+7.7pp | 22.1% | 29.2% | 22.2% | 82% |
| Brokered Deposits |
5.4%
-1.6pp YoY +0.7pp QoQ |
-2.4pp | 7.9% | 8.0% | 8.5% | 55% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
27.4%
+7.0pp YoY +7.1pp QoQ |
+15.8pp | 11.6% | 14.8% | 12.5% | 95% |
| CRE |
16.1%
-2.0pp YoY +0.4pp QoQ |
-23.4pp | 39.5% | 48.4% | 41.4% | 12% |
| 1-4 Family |
11.3%
-1.5pp YoY -0.8pp QoQ |
-21.4pp | 32.6% | 25.8% | 31.3% | 13% |
| Consumer |
1.4%
0.0pp YoY 0.0pp QoQ |
-2.7pp | 4.1% | 4.7% | 5.0% | 37% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
12.3%
+0.2pp YoY +0.4pp QoQ |
+0.1pp | 12.2% | 12.6% | 12.6% | 68% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
52
-2 (-3.7%) YoY 0 QoQ |
-7 | 58 | 186 | 482 | 56% |
| Assets per Employee ($) |
$6.6M
+10.1% YoY -5.0% QoQ |
-$892K | $7.5M | $10.1M | $8.8M | 45% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 12 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.3% | 0.4% | 39% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
25.51x
-19.1% YoY |
+1.36x | 24.15x | 18.82x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 37% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.0%
+2.2pp YoY -0.1pp QoQ |
+7.8pp | 12.2% | 13.2% | 11.6% | 88% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 60% |
| Net Income ($, YTD) |
$4.0M
+29.2% YoY — QoQ |
+$1.4M | $2.6M | $15.9M | $40.4M | 80% |
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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 (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.