The Bank of Herrin
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Herrin is an FDIC-insured commercial bank headquartered in Herrin, IL, established in 1904 (FDIC certificate 11310), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $349.2M, up 1.8% from Q2 2025, the 134th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 12.36% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11310
- Headquarters
- Herrin, IL
- Established
- 1904
- Total assets, Q2 2026
- $349.2M
- Assets vs Q2 2025
- +1.8%
- CET1 ratio, Q2 2026
- 12.36%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081203318
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Herrin call report
- Holding company
- FGH BANCORP, INC.
- Asset rank in state
- 134th of 319 in Illinois
The Bank of Herrin operates with a thinner capital cushion than most banks of its size. The Herrin, Illinois bank had $349 million in assets at June 30, 2026, up 1.8% from a year earlier. It funds 8.81% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it returns 21.1% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Loans are outrunning deposits: over the year loans rose 10.5% and deposits rose 0.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $10 million equal 33% of Tier 1 capital, down from 42% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, The Bank of Herrin reported a CET1 capital ratio of 12.36%, a return on assets of 1.22%, a nonperforming-loan ratio of 0.83% and a Texas ratio of 7.97%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, The Bank of Herrin is the 134th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.8% to $349.2M, loans fell 0.7% and deposits fell 3.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 32.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 27.1%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in IL; its Herrin office books 60% of its branch deposits. On its Q2 2026 call report, The Bank of Herrin meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S Park Ave, Herrin, IL 62948
- County
- Williamson
- Metro Area
- Marion-Herrin, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 12, 1904
- Former names
- The Bank of Herrin (2007)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $326.5M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- -$16K
- Average total assets
- $363.1M
- Average total loans
- $230.8M
- Average interest-bearing deposits
- $237.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11310
- Fed RSSD
- 835444
- Website
- WWW.BANKOFHERRIN.BANK →
- Parent Holding Company
- FGH BANCORP, INC. (RSSD 2527024)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Bank of Herrin's total assets moved between a low of $314.2M (Q3 2023) and a high of $359.1M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$349.2M total assets against $343.0M; $327.6M total liabilities against $325.6M.
$229.3M net loans and leases against $206.8M; $326.5M total deposits against $324.7M.
$98.0M securities against $90.9M; $6.8M cash and balances due against $31.2M.
$4.2M total interest income against $4.0M; $1.2M total interest expense against $1.3M.
$3.0M net interest income against $2.8M.
$399K total noninterest income against $395K; $2.3M total noninterest expense against $2.3M.
$25K provision for credit losses against $0.
$1.1M net income against $913K.
1.22% return on assets against 1.02%; 3.52% net interest margin against 3.31%.
12.36% CET1 capital ratio against 12.51%; 8.81% tier 1 leverage ratio against 8.44%.
Inside the full The Bank of Herrin terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Bank of Herrin rankings
Its closest position to the top of a national ranking is 840 of 3,640, for Texas Ratio; its furthest is 1,595 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.75% (Q3 2024) to 1.22% (Q2 2026) and its net interest margin ran from 3.22% (Q1 2025) to 3.52% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.36% | 1.22% | 0.83% | 7.97% | 3.52% |
| Q1 2026 | 12.07% | 1.17% | 0.72% | 7.36% | 3.43% |
| Q4 2025 | 12.46% | 1.13% | 0.65% | 6.18% | 3.38% |
| Q3 2025 | 12.33% | 0.97% | 0.66% | 6.50% | 3.44% |
| Q2 2025 | 12.51% | 1.02% | 0.76% | 7.94% | 3.31% |
| Q1 2025 | 11.70% | 0.99% | 0.64% | 7.24% | 3.22% |
| Q4 2024 | 12.36% | 1.05% | 0.71% | 8.48% | 3.36% |
| Q3 2024 | 12.60% | 0.75% | 0.44% | 4.41% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Herrin | Herrin , IL | 62948 | $194.7M |
| Carterville Facility | Carterville , IL | 62918 | $91.8M |
| Marion Banking Center Branch | Marion , IL | 62959 | $40.1M |
| Cambria Facility | Cambria , IL | 62915 | $0 |
| Energy Facility | Energy , IL | 62933 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 9, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 9, 2007 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 146 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 52 applications, 45 loans originated, $10.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $517K approved, $517K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Herrin
What are The Bank of Herrin's total assets?
As of the Q2 2026 filing, The Bank of Herrin reported total assets of $349.2 million in its FFIEC call report.
Where is The Bank of Herrin headquartered?
It is headquartered in Herrin, IL, United States.
When was The Bank of Herrin founded?
It was established in 1904, per the FDIC institution directory.
Is The Bank of Herrin FDIC-insured?
Yes. It 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 The Bank of Herrin?
The Bank of Herrin's primary federal regulator is the FDIC.
What is The Bank of Herrin's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.36% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Bank of Herrin operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Herrin's Texas Ratio?
Its Texas Ratio is 7.97% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Bank of Herrin previously called?
The charter now named The Bank of Herrin has also operated as The Bank of Herrin (2007), per FDIC structure-change records.
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