First National Bank of Hereford: how it compares with its peers
Against 139 TX banks with half to twice its assets, First National Bank of Hereford's strongest measure in Q2 2026 is net interest margin (4.98% vs. a 4.18% peer median). Its weakest relative measure is assets per employee ($6.6M vs. $7.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.20% | 1.44% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.98% | 4.18% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.47% | 61.24% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $7.0M | Middle third Ahead of 45% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.77% | 69.23% | Context |
What it means for lending operations
Its efficiency ratio of 53.47% is better than the 61.24% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Ozona Bank Ozona, TX · $346M
- The National Bank of Andrews Andrews, TX · $341M
- Integrity Bank SSB Houston, TX · $340M
- Security State Bank Farwell, TX · $338M
- First State Bank of Texas Orange, TX · $354M
- The Waggoner National Bank of Vernon Vernon, TX · $354M
Questions about First National Bank of Hereford
How big is First National Bank of Hereford?
First National Bank of Hereford, established in 1999, is headquartered in Hereford, TX. It reported $345M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First National Bank of Hereford's return on assets?
2.20% annualized in Q2 2026, against a 1.44% median for 139 TX banks with half to twice its assets, ahead of 83% of them.
What is First National Bank of Hereford's efficiency ratio?
53.47% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 61.24%, and lower is better.
Is First National Bank of Hereford growing its loans?
Net loans grew 13.4% over the year to Q2 2026, while deposits grew 2.9%.
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.