TellerScore

Headquartered in Amarillo, Texas, Herring Bank is a state-chartered bank with $540.5M in total assets and $477.0M in deposits as of Q2 2026. It operates 12 offices across 3 states. Its charter dates back to 1899.

Based on its Q2 2026 filing, Herring Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 262nd. Its strongest component is problem-loan coverage (91/100; 4.4%), and its lowest is earnings (26/100; 0.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Tier 1 leverage ratio: 12.20%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.55%
Earnings26/100
Return on assets (annualized): 0.15%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 76.7% · 30.5% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.40%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 11 points (77 → 66), mostly because the earnings component weakened by 29 points.

TellerScore
667277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202473
Q4 202471
Q1 202574
Q2 202577
Q3 202576
Q4 202575
Q1 202671
Q2 202666
Tier 1 leverage ratio
5.00%8.96%12.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.87%
Q3 202412.76%
Q4 202412.54%
Q1 202512.64%
Q2 202512.91%
Q3 202512.80%
Q4 202512.70%
Q1 202612.78%
Q2 202612.20%
Noncurrent loans
0.12%0.35%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.27%
Q3 20240.14%
Q4 20240.12%
Q1 20250.19%
Q2 20250.32%
Q3 20250.34%
Q4 20250.58%
Q1 20260.56%
Q2 20260.55%
Return on assets
0.07%0.53%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.27%
Q4 20240.07%
Q1 20250.44%
Q2 20250.86%
Q3 20250.77%
Q4 20250.98%
Q1 20260.47%
Q2 20260.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$540.5M12.20%0.55%0.15%76.7%
Q1 202671$528.4M12.78%0.56%0.47%75.9%
Q4 202575$487.5M12.70%0.58%0.98%82.8%
Q3 202576$504.5M12.80%0.34%0.77%80.6%
Q2 202577$509.4M12.91%0.32%0.86%76.7%
Q1 202574$497.9M12.64%0.19%0.44%77.0%
Q4 202471$491.0M12.54%0.12%0.07%80.6%
Q3 202473$500.8M12.76%0.14%0.27%81.3%
Q2 202475$496.3M12.87%0.27%0.52%81.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.20%
67th
Total risk-based capital18.47%
82nd
Problem loans0.55%
43rd
Net charge-offs0.32%
8th
Return on assets0.15%
5th
Net interest margin5.70%
98th
Efficiency ratio94.6%
3rd
Loans to deposits76.7%
56th
Uninsured deposits30.5%
27th
Loan-loss reserves1.03%
30th
Texas ratio4.4%
39th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Austin County State BankBank Bellville, TX75 out of 100, Strong$543.0M9.5%0.37%vs
Bank of TexasBank Midland, TX75 out of 100, Strong$543.6M13.0%0.48%vs
First State Bank and Trust CompanyBank Carthage, TX65 out of 100, Moderate$547.4M14.0%1.96%vs
Fayette Savings Bank, SSBBank La Grange, TX81 out of 100, Strong$551.8M11.0%0.01%vs
Texas Traditions BankBank Katy, TX69 out of 100, Moderate$555.9M9.4%0.00%vs
State Bank of De KalbBank De Kalb, TX82 out of 100, Strong$519.9M12.2%0.24%vs

Deposit insurance

Is my money safe at Herring Bank?

Yes. Herring Bank is an FDIC-insured institution (FDIC certificate #5568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.5% of deposits ($145.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.47% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Herring Bank lists 10 offices in 7 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Herring Bank reported 123 home-loan applications under HMDA (LEI 549300OUFGVRFN8PZB89): 93 originated ($36,825,000 total), 3 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Herring Bank
Former names
The Herring National Bank of Vernon; The Herring National Bank
Type
State-chartered bank
FDIC certificate #
5568
RSSD ID
610164
Primary regulator
FDIC
Holding company
Herring Bcorp Inc
Established
January 1, 1899
Headquarters
2201 Civic Cir, Amarillo, TX 79109
Employees
181

Quick answers

Herring Bank: common questions

Is Herring Bank FDIC insured?

Yes. Herring Bank is an FDIC-insured institution (FDIC certificate #5568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Herring Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Herring Bank ever failed?

There is no failure record for FDIC certificate #5568 in the FDIC failed bank list.

How many branches does Herring Bank have?

12 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Amarillo

InstitutionScoreAssetsCapitalProblem loansCompare
Bank19Bank Memphis, TX90 out of 100, Very strong$147.8M15.3%0.00%vs
First National Bank of HerefordBank Hereford, TX84 out of 100, Strong$344.6M12.3%0.05%vs
Citizens BankBank Amarillo, TX82 out of 100, Strong$309.8M10.1%0.01%vs
BOC BankBank Mclean, TX81 out of 100, Strong$203.4M12.4%0.00%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Texas Plains Federal Credit UnionCredit union Amarillo, TX77 out of 100, Strong$71.2M14.3%0.78%vs