BANK OF HERRIN, THE
BANK OF HERRIN, THE is an FDIC-insured commercial bank headquartered in HERRIN, IL, established in 1904. As of , the bank reported total assets of $350M and total deposits of $327M. Profitability stands at 1.16% ROA and 19.59% ROE, with a net interest margin of 3.36%. CET1 capital ratio: 12.46%, well above regulatory minimums. NPL ratio: 0.88% · Texas Ratio: 8.36%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Bank of Herrin, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.46% | 1.16% | 0.88% | 8.36% | 3.36% |
| 2025-09-30 | 12.33% | 0.99% | 0.95% | 9.44% | 3.43% |
| 2025-06-30 | 12.51% | 1.07% | 0.99% | 10.26% | 3.28% |
| 2025-03-31 | 11.70% | 1.03% | 0.96% | 10.91% | 3.20% |
| 2024-12-31 | 12.36% | 1.07% | 1.03% | 12.28% | 3.20% |
| 2024-09-30 | 12.60% | 0.74% | 0.66% | 6.67% | 3.19% |
| 2024-06-30 | 12.05% | 0.95% | 0.92% | 12.30% | 3.20% |
| 2024-03-31 | 12.01% | 0.93% | 0.97% | 14.05% | 3.16% |
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Frequently asked about BANK OF HERRIN, THE
What are Bank of Herrin, the's total assets?
As of the Q4 2025 filing, Bank of Herrin, the reported total assets of $349.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Herrin, the headquartered?
Bank of Herrin, the is headquartered in HERRIN, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Herrin, the founded?
Bank of Herrin, the was established in 1904, per the FDIC institution directory.
Is Bank of Herrin, the FDIC-insured?
Yes. Bank of Herrin, the is an FDIC-insured commercial bank (FDIC Certificate #11310). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Herrin, the?
Bank of Herrin, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Herrin, the's CET1 capital ratio?
Bank of Herrin, the reported a Common Equity Tier 1 (CET1) capital ratio of 12.46% in its most recent quarterly filing — above regulatory minimums.
How many branches does Bank of Herrin, the operate?
Bank of Herrin, the operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Bank of Herrin, the's Texas Ratio?
Bank of Herrin, the's Texas Ratio is 8.36% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.