Side-by-side · Q2 2026 data
Herring Bank vs Austin County State Bank
Metric by metric
| Measure | Herring Bank | Austin County State Bank |
|---|---|---|
| TellerScore | 66 | 75 (stronger) |
| Capital cushion | 72 (stronger) | 45 |
| Loan quality | 82 | 88 (stronger) |
| Earnings | 26 | 100 (stronger) |
| Funding & liquidity | 67 (stronger) | 66 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 31st | 61st |
| Total assets | $540.5M | $543.0M |
| Deposits / shares | $477.0M | $489.7M |
| Capital ratio | 12.20% (stronger) | 9.55% |
| Problem loans | 0.55% | 0.37% (stronger) |
| Net charge-offs | 0.32% | -0.03% (stronger) |
| Return on assets | 0.15% | 2.21% (stronger) |
| Loans ÷ deposits | 76.7% (stronger) | 78.5% |
| Uninsured deposits | 30.5% | 29.0% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.0% | — |
Austin County State Bank has the higher TellerScore (75 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Herring Bank leads on 2 and Austin County State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.