HERRING BANK

AMARILLO, TX | Small | Est. Jan. 1, 1899, midnight | FDIC #5568 | RSSD #610164 | FDIC
Latest Report: 2025-12-31

HERRING BANK is asn small FDIC-insured commercial bank headquartered in AMARILLO, TX, established in Jan. 1, 1899, midnight. As of 2025-12-31, the bank reported total assets of $487M and total deposits of $424M. Profitability stands at 1.61% ROA and 13.58% ROE, with a net interest margin of 5.95%. The bank's CET1 capital ratio is 17.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 1.03%. FDIC Certificate #5568.

Assets

$487M

Deposits

$424M

Loans

$355M

Equity

$59M

Profitability

Return on Assets (ROA) 1.61%
Return on Equity (ROE) 13.58%
Net Interest Margin (NIM) 5.95%
Yield on Assets 7.25%
Cost of Funds 1.37%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio 0.25%
Texas Ratio 1.03%
NPA Ratio 0.13%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 17.20%
Tier 1 Capital 17.20%
Total Capital Ratio 18.19%
Leverage Ratio 12.70%
Loan-to-Deposit 83.65%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required