The Bank of Herrin: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 47.38 percentage points higher than in Q1 2026, at 154.16%. Within Illinois, The Bank of Herrin is 159th of 323 on return on assets, 1.22% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; The Bank of Herrin reported 1.22% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.36% |
| Tier 1 risk-based capital ratio | 12.36% |
| Total risk-based capital ratio | 13.31% |
| Tier 1 leverage ratio | 8.81% |
| Equity capital to assets | 6.18% |
| Tangible equity to tangible assets | 6.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.69% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | -0.08% |
| Texas ratio | 7.97% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 154.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 21.09% |
| Net interest margin | 3.52% |
| Efficiency ratio | 66.16% |
| Yield on earning assets | 4.94% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.99% |
| Core deposits to total deposits | 85.20% |
| Brokered deposits to total deposits | 6.36% |
| Deposits to assets | 93.51% |
| Securities to assets | 28.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.98% | 12.98% | 13.94% | 9.68% | 1.12% |
| Q4 2023 | 12.58% | 12.58% | 13.51% | 9.53% | 0.15% |
| Q1 2024 | 12.01% | 12.01% | 12.98% | 8.84% | 0.95% |
| Q2 2024 | 12.05% | 12.05% | 13.03% | 9.00% | 0.96% |
| Q3 2024 | 12.60% | 12.60% | 13.85% | 9.15% | 0.75% |
| Q4 2024 | 12.36% | 12.36% | 13.60% | 9.17% | 1.05% |
| Q1 2025 | 11.70% | 11.70% | 12.90% | 8.41% | 0.99% |
| Q2 2025 | 12.51% | 12.51% | 13.74% | 8.44% | 1.02% |
| Q3 2025 | 12.33% | 12.33% | 13.29% | 8.77% | 0.97% |
| Q4 2025 | 12.46% | 12.46% | 13.39% | 8.90% | 1.13% |
| Q1 2026 | 12.07% | 12.07% | 13.00% | 8.46% | 1.17% |
| Q2 2026 | 12.36% | 12.36% | 13.31% | 8.81% | 1.22% |
The Bank of Herrin vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Herrin, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Herrin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11310) · FFIEC NIC profile (RSSD 835444)