Bank · FDIC insured
First National Bank of Hereford
A $344.6M bank headquartered in Hereford, TX, with 4 branches in Texas. Best rates: savings 1.76% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.00%Needs another account or monthly activityCD rates →
- Savings892.02%3.03% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank of Hereford
First National Bank of Hereford is a locally-owned bank with four locations in Hereford, Friona, and Amarillo/Canyon, Texas.
- Headquarters
- 301 W 3rd St, Hereford, TX 79045
- FDIC certificate
- 34918 ↗
Branches
4 branches in Texas
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Texas
4 branches
Hereford area · 2
- First National Bank of HerefordMain office301 W 3rd St, Hereford, TX 79045Directions
- North Branch403 N 25 Mile Ave, Hereford, TX 79045Directions
Amarillo area · 1
- Amarillo Branch8700 Fm 2219, Amarillo, TX 79119Directions
Friona area · 1
- Friona Branch710 W 11th St, Friona, TX 79035Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.32% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.05% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.20% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $101 | $81 | — |
- CapitalLeverage ratio12.32%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.05%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.20%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$101Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank of Hereford are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.