TellerScore

First National Bank of Hereford is a national bank headquartered in Hereford, Texas, in business for about 27 years. At the end of Q2 2026 it reported $344.6M in total assets and $294.4M in deposits, with 4 offices.

First National Bank of Hereford has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 54th. Earnings contributes the most (100/100, 2.20%); funding & liquidity contributes the least (52/100, 100% loans-to-deposits, 23% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Tier 1 leverage ratio: 12.32%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings100/100
Return on assets (annualized): 2.20%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 99.8% · 22.8% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.32%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 84).

TellerScore
707885Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202471
Q3 202470
Q4 202482
Q1 202580
Q2 202585
Q3 202584
Q4 202582
Q1 202685
Q2 202684
Tier 1 leverage ratio
5.00%8.66%12.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.30%
Q3 202412.02%
Q4 202412.18%
Q1 202511.94%
Q2 202512.15%
Q3 202511.94%
Q4 202511.30%
Q1 202611.96%
Q2 202612.32%
Noncurrent loans
0.00%0.81%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.83%
Q3 20241.61%
Q4 20240.37%
Q1 20250.30%
Q2 20250.04%
Q3 20250.04%
Q4 20250.01%
Q1 20260.00%
Q2 20260.05%
Return on assets
1.81%2.01%2.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.97%
Q3 20242.03%
Q4 20242.02%
Q1 20251.81%
Q2 20251.92%
Q3 20252.01%
Q4 20252.00%
Q1 20262.12%
Q2 20262.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$344.6M12.32%0.05%2.20%99.8%
Q1 202685$362.7M11.96%0.00%2.12%88.2%
Q4 202582$375.3M11.30%0.01%2.00%88.5%
Q3 202584$332.2M11.94%0.04%2.01%92.8%
Q2 202585$325.0M12.15%0.04%1.92%90.6%
Q1 202580$316.4M11.94%0.30%1.81%91.8%
Q4 202482$321.1M12.18%0.37%2.02%85.9%
Q3 202470$298.0M12.02%1.61%2.03%89.8%
Q2 202471$290.6M10.30%0.83%1.97%92.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.32%
68th
Total risk-based capital0.00%
24th
Problem loans0.05%
79th
Net charge-offs0.00%
53rd
Return on assets2.20%
91st
Net interest margin4.98%
92nd
Efficiency ratio53.5%
76th
Loans to deposits99.8%
11th
Uninsured deposits22.8%
54th
Loan-loss reserves1.24%
55th
Texas ratio0.3%
81st

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Ozona BankBank Ozona, TX79 out of 100, Strong$346.1M12.3%0.00%vs
The National Bank of AndrewsBank Andrews, TX49 out of 100, Below average$340.5M10.1%3.05%vs
Integrity Bank SSBBank Houston, TX78 out of 100, Strong$339.6M14.5%0.00%vs
Security State BankBank Farwell, TX88 out of 100, Very strong$338.0M14.6%0.03%vs
First State Bank of TexasBank Orange, TX39 out of 100, Low$353.6M9.2%2.85%vs
The Waggoner National Bank of VernonBank Vernon, TX88 out of 100, Very strong$353.7M14.4%0.66%vs

Deposit insurance

Is my money safe at First National Bank of Hereford?

Yes. First National Bank of Hereford is an FDIC-insured institution (FDIC certificate #34918). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.8% of deposits ($67.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First National Bank of Hereford lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank of Hereford reported 43 home-loan applications under HMDA (LEI 25490043Z1O3CFY7D576): 34 originated ($11,140,000 total), 8 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First National Bank of Hereford
Type
National bank
FDIC certificate #
34918
RSSD ID
2759629
Primary regulator
OCC
Holding company
LA Plata Bancshares Inc
Established
December 6, 1999
Headquarters
301 W 3rd St, Hereford, TX 79045
Employees
52

Quick answers

First National Bank of Hereford: common questions

Is First National Bank of Hereford FDIC insured?

Yes. First National Bank of Hereford is an FDIC-insured institution (FDIC certificate #34918). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank of Hereford's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First National Bank of Hereford ever failed?

There is no failure record for FDIC certificate #34918 in the FDIC failed bank list.

How many branches does First National Bank of Hereford have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hereford

InstitutionScoreAssetsCapitalProblem loansCompare
Hereford Texas Federal Credit UnionCredit union Hereford, TX80 out of 100, Strong$77.3M21.4%0.91%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
First United BankBank Dimmitt, TX77 out of 100, Strong$2.4B11.2%0.41%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs
FirstBank SouthwestBank Amarillo, TX73 out of 100, Strong$1.9B11.2%0.41%vs
First National Bank TexasBank Killeen, TX64 out of 100, Moderate$4.6B9.1%1.23%vs