Herring Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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 0.28% and a Texas ratio of 4.40%, according to its call report filed with the FFIEC.
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)
- Offices
- 12 domestic
- 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Herring Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Herring 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| 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
What the public regulatory sources show for Herring Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 447 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Herring Bank headquartered?
Herring Bank is headquartered in Amarillo, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Herring Bank founded?
Herring Bank was established in 1899, per the FDIC institution directory.
Is Herring Bank FDIC-insured?
Yes. Herring Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Herring Bank's CET1 capital ratio?
Herring Bank 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?
Herring Bank 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?
Herring Bank's Texas Ratio is 4.40% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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