🏦Bank Scorer

FIRST NATIONAL BANK OF HEREFORD

HEREFORD, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1999FDIC #34,918
Satisfactory

Current rating · Exam: April 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.12%

Institution Profile

FDIC BankFind

Address

301 W 3rd St, HEREFORD, TX

County

Deaf Smith County

Established

December 6, 1999

Total Assets

$363M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 15, 1991

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 35 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$363M

Total Deposits

$319M

Net Loans

$282M

Net Income

$2M

ROA

2.12%

ROE

20.01%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate13.33%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$286M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243086.67%13.33%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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