Herring Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Herring Bank of Amarillo, TX against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.15% | 1.25% | -1.40% | 3rd bottom |
| ROAE | -1.41% | 13.17% | -14.58% | 3rd bottom |
| Net Interest Margin | 5.51% | 3.95% | +1.56% | 97th top |
| Efficiency Ratio | 98.36% | 61.50% | +36.86% | 2nd bottom |
| PPNR / Avg Assets | 0.12% | — | — | 3rd bottom |
| Yield on Earning Assets | 6.67% | 5.67% | +1.00% | 90th top |
| Cost of Funds | 1.24% | 1.87% | -0.63% | 83rd top |
| Net Interest Spread | 4.63% | — | — | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 0.93% | -0.65% | 58th above |
| NPA / Total Assets | 0.32% | — | — | 50th above |
| NCO / Avg Loans | 0.22% | 0.15% | +0.07% | 11th bottom |
| ACL / Total Loans | 1.03% | — | — | 30th below |
| ACL / NPLs (Coverage) | 368.18% | — | — | 64th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.40% | 6.06% | -1.66% | 38th below |
| Provision / NCO | 115.82% | — | — | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.45% | 17.18% | +0.27% | 66th above |
| Tier 1 Ratio | 17.45% | 17.21% | +0.24% | 66th above |
| Total Capital Ratio | 18.47% | — | — | 65th above |
| Leverage Ratio | 12.20% | 11.75% | +0.45% | 67th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.84% | 10.98% | -0.14% | 57th above |
| TCE / Tangible Assets | 10.84% | — | — | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.54% | 80.44% | -2.90% | 56th above |
| Core Deposit Ratio | 93.83% | 86.95% | +6.88% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.10% | — | — | 62nd above |
| Loan Growth (Y/Y) | 6.71% | — | — | 57th above |
| Deposit Growth (Y/Y) | 6.47% | — | — | 67th above |
See Herring Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Herring Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Herring Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Herring Bank peer analysis.