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First National Bank Of Hereford
Hereford, TX · FDIC Certificate #34918 · Chartered 12/0
Total assets
$344.57M
Total deposits
$294.40M
Total equity
$41.17M
Net loans
$293.73M
Branches (offices)
4
Net income (YTD)
$3.98M
Rank: #2,272 of 4,213 U.S. banks by assets · #196 of 346 in Texas. Assets changed 6.0% and deposits 2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.20% |
| Return on equity | 19.96% |
| Net interest margin (YTD) | 4.98% |
| Equity to assets | 11.95% |
| Tier 1 leverage ratio | 12.32% |
| Uninsured deposits (share of deposits) | 22.8% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 99.8% |
| Real estate loans (share of loans) | 36.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $105.61M | 36.0% | |
| Commercial & industrial | $80.41M | 27.4% | |
| Consumer / individual | $4.01M | 1.4% | |
| Construction & development | $3.54M | 1.2% | |
| Agricultural | $107.09M | 36.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $220.03M | $191.59M | $1.49M | $20.00M |
| Jun 2023 | $249.50M | $217.94M | $2.54M | $23.08M |
| Jun 2024 | $290.64M | $252.97M | $2.81M | $26.88M |
| Jun 2025 | $325.02M | $285.99M | $3.08M | $35.53M |
| Jun 2026 | $344.57M | $294.40M | $3.98M | $41.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $294.40M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $294.40M.
Similar-sized banks
Gulfside Bank ($344.59M) · Citizens First Bank ($344.47M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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