What is First National Bank of Hereford's financial health grade?

First National Bank of Hereford has a TFS Financial Health Grade of B- (score: 82.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First National Bank of Hereford have?

First National Bank of Hereford has 4 branch locations across the United States.

Is First National Bank of Hereford FDIC insured?

Yes, First National Bank of Hereford is FDIC insured (Certificate #34918).

What are the total assets of First National Bank of Hereford?

First National Bank of Hereford has total assets of $375.3M as reported in its most recent FDIC filing.

First National Bank of Hereford

BankHereford, Texas

http://www.fnbhereford.com

Total Assets

$375.3M

Total Deposits

$333.5M

Branches

Established

1999

TFS Health Grade

B-

82.0 / 100

Good financial health

How we grade

First National Bank of Hereford is a bank headquartered in Hereford, Texas, established in 1999. With $375.3M in total assets and 4 branch locations, it has a TFS Financial Health Grade of B- (82.0/100).

Capital & Safety

Tier 1 Capital Ratio

11.30%(8%)

Total Capital Ratio

13.45%(10%)

Non-Performing Loan Ratio

0.01%

Profitability

Return on Assets (ROA)

2.00%(1%)

Return on Equity (ROE)

18.60%(10%)

Net Interest Margin

5.06%

Efficiency Ratio

54.66%(60%)

Lending & Liquidity

Total Loans

$298.6M

Loan-to-Deposit Ratio

88.50%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+16.90%

Deposit Growth (YoY)

+17.33%

Net Income

$6.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First National Bank of HerefordHQ	301 W 3rd St	Hereford	TX	11
First National Bank of Hereford	8700 Fm 2219	Amarillo	TX	11
First National Bank of Hereford	710 W 11th St	Friona	TX	11
First National Bank of Hereford	403 N 25 Mile Ave	Hereford	TX	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.