First National Bank of Hereford
Hereford, TX
IDRSSD: 2759629
Total Assets
$332.16M
Latest filing
Total Deposits
$291.18M
Latest filing
Net Interest Margin
5.10%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank of Hereford
301 W 3rd St
Hereford, TX 79045
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/06/1999FDIC Certificate 62035
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank of Hereford (Main) | 301 W 3rd St | Hereford, TX |
| FRIONA BRANCH | 710 W 11th St | Friona, TX |
| NORTH BRANCH | 403 N 25 Mile Ave | Hereford, TX |
| AMARILLO BRANCH | 8700 Fm 2219 | Amarillo, TX |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Security State Bank
Farwell, Texas
→
Assets: $322.35MΔ -0.8%
The First National Bank of Hughes Springs
Hughes Springs, Texas
→
Assets: $321.17MΔ -1.2%
The Waggoner National Bank of Vernon
Vernon, Texas
→
Assets: $328.97MΔ +1.2%
Ozona Bank
Ozona, Texas
→
Assets: $318.57MΔ -2.0%
Commercial National Bank of Texarkana
Texarkana, Texas
→
Assets: $318.47MΔ -2.0%
Lakeside Bank
Rockwall, Texas
→
Assets: $332.58MΔ +2.3%
Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 12/06/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 79045 |
| State and County Number | 48117 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Hereford, TX |
Operational Info
| Number of Employees | 54 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/06/1999 |
| Primary Insurance Agency | DIF |
| Website | http://www.fnbhereford.com |
| Data Updated | 11/14/2025 |
| CERT | 34918 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $332.16M |
| Total Deposits | $291.18M |
| Total Liabilities | $294.88M |
| Total Equity Capital | $37.28M |
| Net Income | $1.79M |
| Net Loans and Leases | $270.12M |
| Assets Per Employee ($Millions) | $6.15M |
| Bank Premises and Fixed Assets | $8.78M |
| Cash and Balances due from Depository Institutions | $19.22M |
| Deposits Held in Domestic Offices | $291.18M |
Key Performance Ratios
| Return on Assets (ROA) | 2.18% |
| Return on Equity (ROE) | 19.69% |
| Net Interest Margin | 5.1% |
| Efficiency Ratio | 55.13% |
| Tier 1 Risk-Based Capital Ratio | 13.231% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.225% |
| Earning Assets to total Assets | 91.62% |
Income and Expense
| Total Interest Income | $5.45M |
| Total Noninterest Income | $412.00k |
| Total Interest Expense | $1.63M |
| Total Noninterest Expense | $2.34M |
| Net Interest Income | $3.82M |
| Pre-tax Net Operating Income | $1.79M |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.70M |
| Total Liabilities and Capital | $332.16M |
Securities
| Securities | $21.95M |
| Available-for-sale debt securities | $19.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.72M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank of Hereford?
$332.16M as of the latest filing.
How much are First National Bank of Hereford's total deposits?
$291.18M in total deposits.
Where is First National Bank of Hereford located?
Hereford, TX.
What is the Net Interest Margin?
5.10%.
How many domestic offices does it operate?
4.
When was it established?
12/06/1999.
What is the Return on Assets (ROA)?
2.18%.
How much are total loans and leases?
$270.12M (latest filing).
What is the total interest income (latest filing)?
$5.45M.