The First National Bank of Hebbronville: how it compares with its peers
Against 89 TX banks with half to twice its assets, The First National Bank of Hebbronville's strongest measure in Q2 2026 is assets per employee ($6.0M vs. a $5.9M peer median). Its weakest relative measure is net interest margin (3.27% vs. 4.07%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.21% | 1.30% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.27% | 4.07% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.13% | 66.26% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $5.9M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 28.71% | 57.23% | Context |
What it means for lending operations
Its efficiency ratio of 69.13% is above the 66.26% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Anson Anson, TX · $105M
- First Capital Bank Quanah, TX · $107M
- First National Bank Rotan, TX · $96M
- The Cowboy Bank of Texas Maypearl, TX · $109M
- Citizens National Bank Crockett, TX · $109M
- Junction National Bank Junction, TX · $93M
Questions about The First National Bank of Hebbronville
How big is The First National Bank of Hebbronville?
The First National Bank of Hebbronville, established in 1913, is headquartered in Hebbronville, TX. It reported $102M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First National Bank of Hebbronville's return on assets?
1.21% annualized in Q2 2026, against a 1.30% median for 89 TX banks with half to twice its assets, ahead of 44% of them.
What is The First National Bank of Hebbronville's efficiency ratio?
69.13% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 66.26%, and lower is better.
Is The First National Bank of Hebbronville growing its loans?
Net loans shrank 3.0% over the year to Q2 2026, while deposits grew 9.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.