Side-by-side · Q2 2026 data
Herring Bank vs Bank of Texas
Metric by metric
| Measure | Herring Bank | Bank of Texas |
|---|---|---|
| TellerScore | 66 | 75 (stronger) |
| Capital cushion | 72 | 80 (stronger) |
| Loan quality | 82 | 84 (stronger) |
| Earnings | 26 | 86 (stronger) |
| Funding & liquidity | 67 (stronger) | 25 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 31st | 61st |
| Total assets | $540.5M | $543.6M |
| Deposits / shares | $477.0M | $451.2M |
| Capital ratio | 12.20% | 13.01% (stronger) |
| Problem loans | 0.55% | 0.48% (stronger) |
| Net charge-offs | 0.32% | 0.00% (stronger) |
| Return on assets | 0.15% | 1.65% (stronger) |
| Loans ÷ deposits | 76.7% (stronger) | 85.4% |
| Uninsured deposits | 30.5% (stronger) | 70.3% |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.0% | — |
Bank of Texas 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 Bank of Texas on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.