Herring Bank: 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.
Reserve coverage of non-performing loans climbed 2.82 percentage points in Q2 2026, from 183.70% to 186.52%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Herring Bank is 13th from the bottom among 345 Texas banks, -0.15% (Q2 2026). Herring Bank's return on assets of -0.15% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.41 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.45% |
| Tier 1 risk-based capital ratio | 17.45% |
| Total risk-based capital ratio | 18.47% |
| Tier 1 leverage ratio | 12.20% |
| Equity capital to assets | 10.84% |
| Tangible equity to tangible assets | 10.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.55% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | 0.22% |
| Texas ratio | 4.40% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 186.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.15% |
| Return on equity | -1.41% |
| Net interest margin | 5.51% |
| Efficiency ratio | 98.36% |
| Yield on earning assets | 6.67% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.54% |
| Core deposits to total deposits | 93.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.26% |
| Securities to assets | 10.15% |
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 | 15.70% | 15.70% | 16.53% | 12.56% | -1.00% |
| Q4 2023 | 16.07% | 16.07% | 16.89% | 12.89% | 1.11% |
| Q1 2024 | 16.05% | 16.05% | 16.88% | 12.79% | 0.67% |
| Q2 2024 | 16.60% | 16.60% | 17.44% | 12.87% | 0.36% |
| Q3 2024 | 16.52% | 16.52% | 17.38% | 12.76% | -0.23% |
| Q4 2024 | 16.66% | 16.66% | 17.51% | 12.54% | -0.50% |
| Q1 2025 | 17.48% | 17.48% | 18.35% | 12.64% | 0.43% |
| Q2 2025 | 17.58% | 17.58% | 18.45% | 12.91% | 1.27% |
| Q3 2025 | 17.48% | 17.48% | 18.36% | 12.80% | 0.57% |
| Q4 2025 | 17.20% | 17.20% | 18.19% | 12.70% | 1.55% |
| Q1 2026 | 17.57% | 17.57% | 18.54% | 12.78% | 0.46% |
| Q2 2026 | 17.45% | 17.45% | 18.47% | 12.20% | -0.15% |
Herring Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Herring Bank, 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 Herring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5568) · FFIEC NIC profile (RSSD 610164)