| Weiss Ratings |
The First National Bank of Hereford
Hereford, TX |
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| Rating | ||||
| Asset Quality Index | 7.90 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.40 | |||
| Profitability Index | 8.60 | |||
| Stability Index | 3.70 | |||
| Company Info |
The First National Bank of Hereford
Hereford, TX |
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| FDIC Number | 34918 | |||
| Phone Number | (806) 363-2265 | |||
| Website | www.fnbhereford.com | |||
| Asset Quality |
The First National Bank of Hereford
Hereford, TX |
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| 1-Year Asset Growth | 11.75% | |||
| 5-Year Asset Growth | 16.37% | |||
| 5-Year Charge-Offs to Average Loans | -0.03% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.24% | |||
| Non-Performing Loans to Capital | 1.91% | |||
| Non-Performing Loans to Loans | 0.30% | |||
| Balance Sheet |
The First National Bank of Hereford
Hereford, TX |
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| Total Assets | 316.43M | |||
| Total Deposits | 278.46M | |||
| Capital and Reserves |
The First National Bank of Hereford
Hereford, TX |
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| Capital | 34.72M | |||
| Leverage Ratio | 11.94 | |||
| Loan Loss Reserves to Loans | 1.13% | |||
| Risk-Based Capital Ratio | 14.16 | |||
| Liquidity |
The First National Bank of Hereford
Hereford, TX |
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| Hot Money Ratio | 22.90% | |||
| Liquidity Ratio | 15.33% | |||
| Profitability |
The First National Bank of Hereford
Hereford, TX |
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| 5-Year Return on Average Assets | 1.79% | |||
| Net Income | 1.44M | |||
| Net Interest Spread | 4.96% | |||
| Operating Profit to Average Assets | 1.86% | |||
| Overhead Efficiency Ratio | 57.04% | |||
| Return on Assets | 1.86% | |||
| Return on Equity | 16.87% | |||