Herring Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 66.1% lower than in Q1 2026, at $749K. Herring Bank ranks 144th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 77.54% (Q2 2026). Herring Bank reported 77.54% on loan-to-deposit ratio for Q2 2026, 3.02 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $369.9M |
| Net loans and leases | $366.1M |
| Loans held for sale | $749K |
| Loans to total assets | 68.43% |
| Loan-to-deposit ratio | 77.54% |
| Net loans to equity capital | 6.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.62% |
| Multifamily (5+ residential) | 2.79% |
| Commercial and industrial | 6.99% |
| Consumer | 10.68% |
| Credit cards | 0.16% |
| Farm | 3.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 254.67% |
| Construction concentration (Tier 1 capital + allowance) | 55.20% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.84% |
| Interest income on loans | $7.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $360.4M | $443.4M | 46.23% | 8.69% | 14.49% |
| Q4 2023 | $364.8M | $436.4M | 47.22% | 8.80% | 14.24% |
| Q1 2024 | $362.3M | $438.6M | 48.68% | 8.68% | 13.04% |
| Q2 2024 | $358.9M | $437.6M | 48.16% | 8.40% | 13.09% |
| Q3 2024 | $360.8M | $440.0M | 47.04% | 8.09% | 12.76% |
| Q4 2024 | $350.7M | $431.3M | 46.82% | 7.64% | 12.89% |
| Q1 2025 | $341.0M | $439.0M | 49.12% | 7.69% | 12.85% |
| Q2 2025 | $346.6M | $448.0M | 47.61% | 7.29% | 12.48% |
| Q3 2025 | $358.6M | $440.8M | 47.15% | 6.57% | 11.78% |
| Q4 2025 | $355.1M | $424.5M | 48.70% | 6.18% | 11.56% |
| Q1 2026 | $356.8M | $465.2M | 48.96% | 6.83% | 11.36% |
| Q2 2026 | $369.9M | $477.0M | 49.62% | 6.99% | 10.68% |
Herring Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Herring Bank, freeSource: Call Report Schedule RC-C, 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 Herring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5568) · FFIEC NIC profile (RSSD 610164)