First Nb Of Hereford (FDIC #34918): Bank Stress & Real-Estate Credit Exposure
First Nb Of Hereford (FDIC Cert #34918): bank stress 40/100, contained, STABLE over 7 days; parent LA PLATA BANCSHARES INC.
First Nb Of Hereford (#34918) lends in 3 counties across 1 state; First Nb Of Hereford (#34918) reaches 24 ZIP codes: Texas 3 counties, 24 ZIPs.
First Nb Of Hereford (#34918) largest markets: Randall County, TX (15 branches, 15 ZIPs) (#34918), Deaf Smith County, TX (12 branches, 6 ZIPs) (#34918), Parmer County, TX (5 branches, 5 ZIPs) (#34918).
First Nb Of Hereford (#34918) reports $344.6 million in total assets; First Nb Of Hereford (#34918) equity $41.2 million (11.9% of First Nb Of Hereford (#34918) assets); First Nb Of Hereford (#34918) domestic deposits $294.4 million; First Nb Of Hereford (#34918) net income $4.0 million; First Nb Of Hereford (#34918) return on assets 2.20%; First Nb Of Hereford (#34918) return on equity 19.96%; First Nb Of Hereford (#34918) net interest income $8.0 million; First Nb Of Hereford (#34918) call report June 30, 2026.
First Nb Of Hereford (#34918) noncurrent real-estate loans: none reported; First Nb Of Hereford (#34918) net charge-offs on real estate 0.14%.
First Nb Of Hereford (#34918) net interest margin 4.98% against an eight-quarter First Nb Of Hereford (#34918) average of 5.02% (First Nb Of Hereford (#34918) compression 0.04 points); First Nb Of Hereford (#34918) rate-exposure score 40/100, First Nb Of Hereford (#34918) fixed-rate trap 40/100; First Nb Of Hereford (#34918) risk type rate trapped; First Nb Of Hereford (#34918) rate regime rates elevated, First Nb Of Hereford (#34918) snapshot October 20, 2026.
First Nb Of Hereford (#34918) stress score moved from 43.6 on June 22, 2026 to 39.7 on October 20, 2026; First Nb Of Hereford (#34918) ranged 39.7 to 43.6 over 117 snapshots.
First Nb Of Hereford (#34918) alerts: 3 counties; top First Nb Of Hereford (#34918) alert scores: Amarillo County, TX 15 (low); Friona County, TX 15 (low); Hereford County, TX 15 (low).