Headquartered in Herrin, Illinois, The Bank of Herrin is a state-chartered bank with $349.2M in total assets and $326.5M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1904.
Based on its Q2 2026 filing, The Bank of Herrin scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 220th. Its strongest component is funding & liquidity (86/100; 70% loans-to-deposits, 18% uninsured), and its lowest is capital cushion (38/100; 8.81%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 65).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 66 |
| Q4 2024 | 65 |
| Q1 2025 | 65 |
| Q2 2025 | 64 |
| Q3 2025 | 66 |
| Q4 2025 | 65 |
| Q1 2026 | 65 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.00% |
| Q3 2024 | 9.15% |
| Q4 2024 | 9.17% |
| Q1 2025 | 8.41% |
| Q2 2025 | 8.44% |
| Q3 2025 | 8.77% |
| Q4 2025 | 8.90% |
| Q1 2026 | 8.46% |
| Q2 2026 | 8.81% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.71% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.83% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.92% |
| Q1 2025 | 1.03% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.06% |
| Q1 2026 | 1.21% |
| Q2 2026 | 1.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $349.2M | 8.81% | 0.83% | 1.23% | 70.2% |
| Q1 2026 | 65 | $359.1M | 8.46% | 0.72% | 1.21% | 68.4% |
| Q4 2025 | 65 | $349.5M | 8.90% | 0.65% | 1.06% | 69.8% |
| Q3 2025 | 66 | $350.7M | 8.77% | 0.66% | 1.03% | 65.4% |
| Q2 2025 | 64 | $343.0M | 8.44% | 0.76% | 1.05% | 63.7% |
| Q1 2025 | 65 | $339.8M | 8.41% | 0.64% | 1.03% | 63.5% |
| Q4 2024 | 65 | $333.8M | 9.17% | 0.71% | 0.92% | 64.5% |
| Q3 2024 | 66 | $323.5M | 9.15% | 0.44% | 0.87% | 66.2% |
| Q2 2024 | 64 | $328.8M | 9.00% | 0.64% | 0.94% | 63.6% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens National Bank of AlbionBank Albion, IL | 88 out of 100, Very strong | $348.5M | 17.4% | 0.54% | vs |
| Buena Vista National BankBank Chester, IL | 77 out of 100, Strong | $344.0M | 11.1% | 0.36% | vs |
| State Bank of ToulonBank Toulon, IL | 77 out of 100, Strong | $343.4M | 10.5% | 0.13% | vs |
| OSB Community BankBank Ottawa, IL | 69 out of 100, Moderate | $355.6M | 11.6% | 0.36% | vs |
| Farmers State Bank of Alto Pass, Ill.Bank Alto Pass, IL | 53 out of 100, Below average | $342.4M | 9.5% | 2.52% | vs |
| State Street Bank and Trust CompanyBank Quincy, IL | 77 out of 100, Strong | $357.1M | 10.0% | 0.39% | vs |
Deposit insurance
Is my money safe at The Bank of Herrin?
Yes. The Bank of Herrin is an FDIC-insured institution (FDIC certificate #11310). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.4% of deposits ($60.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.81%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.31% (benchmark: 10%).
5 locations
Branches
The Bank of Herrin lists 3 offices in 3 cities. Most locations:
- Carterville, IL (1)
- Herrin, IL (1)
- Marion, IL (1)
HMDA 2025
Mortgage lending
In 2025, The Bank of Herrin reported 52 home-loan applications under HMDA (LEI 549300XYHH9IPC6FQW89): 45 originated ($10,445,000 total), 4 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.7%, 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
- The Bank of Herrin
- Former names
- Carterville State and Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11310
- RSSD ID
- 835444
- Primary regulator
- FDIC
- Holding company
- Fgh Bcorp Inc
- Established
- April 12, 1904
- Headquarters
- 101 S Park Ave, Herrin, IL 62948
- Website
- www.bankofherrin.bank
- Employees
- 59
Quick answers
The Bank of Herrin: common questions
Is The Bank of Herrin FDIC insured?
Yes. The Bank of Herrin is an FDIC-insured institution (FDIC certificate #11310). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank of Herrin's TellerScore?
65 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 The Bank of Herrin ever failed?
There is no failure record for FDIC certificate #11310 in the FDIC failed bank list.
How many branches does The Bank of Herrin have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Herrin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Carbondale Highway Credit UnionCredit union Carbondale, IL | 90 out of 100, Very strong | $5.6M | 15.6% | 0.00% | vs |
| Du Quoin State BankBank Du Quoin, IL | 78 out of 100, Strong | $148.2M | 10.8% | 0.00% | vs |
| Siu Credit UnionCredit union Carbondale, IL | 72 out of 100, Strong | $591.3M | 11.6% | 0.90% | vs |
| First Mid Bank & Trust, National AssociationBank Mattoon, IL | 70 out of 100, Strong | $9.1B | 10.7% | 0.58% | vs |
| Legence BankBank Eldorado, IL | 70 out of 100, Strong | $642.9M | 9.5% | 1.17% | vs |
| First Financial Bank, National AssociationBank Terre Haute, IN | 68 out of 100, Moderate | $6.2B | 10.4% | 0.61% | vs |