Side-by-side · Q2 2026 data
State National Bank vs Herring Bank
Metric by metric
| Measure | State National Bank | Herring Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 66 |
| Capital cushion | 76 (stronger) | 72 |
| Loan quality | 88 (stronger) | 82 |
| Earnings | 53 (stronger) | 26 |
| Funding & liquidity | 54 | 67 (stronger) |
| Problem-loan coverage | 86 | 91 (stronger) |
| Peer percentile | 45th | 31st |
| Total assets | $55.1M | $540.5M |
| Deposits / shares | $47.7M | $477.0M |
| Capital ratio | 12.60% (stronger) | 12.20% |
| Problem loans | 0.35% (stronger) | 0.55% |
| Net charge-offs | -0.07% (stronger) | 0.32% |
| Return on assets | 0.83% (stronger) | 0.15% |
| Loans ÷ deposits | 90.3% | 76.7% (stronger) |
| Uninsured deposits | 29.3% (stronger) | 30.5% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.0% |
State National Bank has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), State National Bank leads on 6 and Herring Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.