Herring Bank
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Data as of · sourced from FFIEC call reports. How we update
Herring Bank is an FDIC-insured commercial bank headquartered in Amarillo, TX, established in 1899 (FDIC certificate 5568), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $540.5M, up 6.1% from Q2 2025, the 155th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 17.45% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5568
- Headquarters
- Amarillo, TX
- Established
- 1899
- Total assets, Q2 2026
- $540.5M
- Assets vs Q2 2025
- +6.1%
- CET1 ratio, Q2 2026
- 17.45%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 111302846
- Holding company
- HERRING BANCORP, INC.
- Asset rank in state
- 155th of 346 in Texas
Herring Bank spends more to run itself than most banks of its size. The Amarillo, Texas bank had $541 million in assets at June 30, 2026, up 6.1% from a year earlier. It loses about $0.15 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 98 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $208,000 in the quarter. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.55% of loans from 0.32% 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, Herring Bank reported a CET1 capital ratio of 17.45%, a return on assets of -0.15%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 4.40%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Herring Bank is the 155th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.3% to $540.5M, loans rose 3.7% and deposits rose 2.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 34.6% of total loans, followed by owner-occupied commercial real estate loans at 15.1%. Its 11 offices in the FDIC Summary of Deposits are in 7 cities across 3 states; its Amarillo 2 offices book 36% of its branch deposits. Judged on its Q2 2026 call report, Herring Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2201 Civic Cir, Amarillo, TX 79109
- County
- Potter
- Metro Area
- Amarillo, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1899
- Former names
- The Herring National Bank (1995-2005)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 181
- Domestic deposits
- $477.0M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $569K
- Average total assets
- $540.6M
- Average total loans
- $365.2M
- Average interest-bearing deposits
- $290.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5568
- Fed RSSD
- 610164
- Website
- www.herringbank.com →
- Parent Holding Company
- HERRING BANCORP, INC. (RSSD 1109496)
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
From Q3 2023 to Q2 2026, Herring Bank's total assets ranged from $487.5M (Q4 2025) to $540.5M (Q2 2026), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$540.5M total assets against $509.4M; $481.9M total liabilities against $452.2M.
$366.1M net loans and leases against $343.4M; $477.0M total deposits against $448.0M.
$54.9M securities against $57.8M; $97.5M cash and balances due against $86.8M.
$8.4M total interest income against $7.9M; $1.5M total interest expense against $1.5M.
$6.9M net interest income against $6.3M.
$2.9M total noninterest income against $3.9M; $9.7M total noninterest expense against $8.5M.
$361K provision for credit losses against $197K.
-$208K net income against $1.6M.
-0.15% return on assets against 1.27%; 5.51% net interest margin against 5.40%.
17.45% CET1 capital ratio against 17.58%; 12.20% tier 1 leverage ratio against 12.91%.
Inside the full Herring Bank 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.
Herring Bank rankings
Its closest position to the top of a national ranking is 541 of 2,134, for CET1 ratio; its furthest is 3,544 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.50% (Q4 2024) to 1.55% (Q4 2025) and its net interest margin ran from 5.17% (Q1 2025) to 5.76% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.45% | -0.15% | 0.55% | 4.40% | 5.51% |
| Q1 2026 | 17.57% | 0.46% | 0.56% | 3.49% | 5.51% |
| Q4 2025 | 17.20% | 1.55% | 0.58% | 3.63% | 5.76% |
| Q3 2025 | 17.48% | 0.57% | 0.34% | 2.02% | 5.64% |
| Q2 2025 | 17.58% | 1.27% | 0.32% | 1.93% | 5.40% |
| Q1 2025 | 17.48% | 0.43% | 0.19% | 1.19% | 5.17% |
| Q4 2024 | 16.66% | -0.50% | 0.12% | 0.84% | 5.48% |
| Q3 2024 | 16.52% | -0.23% | 0.14% | 0.98% | 5.33% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Herring Bank (main office) | Amarillo , TX | 79109 | $168.8M |
| Vernon Pease Street Branch | Vernon , TX | 76384 | $98.1M |
| Colorado National Bank Branch | Colorado Springs , CO | 80907 | $52.3M |
| 123 South Kearney Branch | Clarendon , TX | 79226 | $46.6M |
| First State Bank of Altus | Altus , OK | 73521 | $32.0M |
| Seymour Branch | Seymour , TX | 76380 | $29.0M |
| Azle Branch | Azle , TX | 76020 | $27.3M |
| Vernon Branch | Vernon , TX | 76384 | $13.8M |
| Altus Branch | Altus , OK | 73521 | $4.7M |
| Pierce Branch | Amarillo , TX | 79101 | $4.4M |
| Mobile Branch | Vernon , TX | 76384 | $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 |
|---|---|---|---|
| August 1, 2009 | Structure Change | Acquired First State Bank of Altus Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 31, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| March 21, 2009 | Structure Change | Acquired Colorado National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 20, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 1, 1998 | Structure Change | Acquired BFNB Trust Company, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1997 | Structure Change | Acquired First Bank & Trust of Clarendon 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 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, HERRING BANCORP, INC., not the bank itself
- June 29, 2023, Federal Reserve: Cease and Desist Order: Herring Bancorp, Inc., Amarillo, Texas
- Period: Most recent institution action June 29, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 209 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 122 applications, 93 loans originated, $36.8M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $710K approved, $355K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Herring Bank
What are Herring Bank's total assets?
As of the Q2 2026 filing, Herring Bank reported total assets of $540.5 million in its FFIEC call report.
Where is Herring Bank headquartered?
It is headquartered in Amarillo, TX, United States.
When was Herring Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Herring Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Herring Bank?
Herring Bank's primary federal regulator is the FDIC.
What is Herring Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.45% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Herring Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Herring Bank's Texas Ratio?
Its Texas Ratio is 4.40% 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 Herring Bank previously called?
The charter now named Herring Bank has also operated as The Herring National Bank (1995-2005), per FDIC structure-change records.
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