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Herring Bank
Amarillo, TX · FDIC Certificate #5568 · Chartered 01/0
Total assets
$540.50M
Total deposits
$477.03M
Total equity
$58.57M
Net loans
$366.06M
Branches (offices)
11
Net income (YTD)
$387.00K
Rank: #1,694 of 4,213 U.S. banks by assets · #155 of 346 in Texas. Assets changed 6.1% and deposits 6.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.15% |
| Return on equity | 1.32% |
| Net interest margin (YTD) | 5.70% |
| Equity to assets | 10.84% |
| Tier 1 leverage ratio | 12.20% |
| Uninsured deposits (share of deposits) | 30.5% |
| Noncurrent loans (share of loans) | 0.55% |
| Net charge-offs (share of loans) | 0.32% |
| Loans to deposits | 76.7% |
| Real estate loans (share of loans) | 81.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $298.53M | 81.6% | |
| Commercial & industrial | $25.84M | 7.1% | |
| Consumer / individual | $39.49M | 10.8% | |
| Construction & development | $38.23M | 10.4% | |
| Agricultural | $4.57M | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $466.14M | $414.89M | $1.27M | $48.99M |
| Jun 2023 | $486.93M | $431.62M | $3.75M | $51.20M |
| Jun 2024 | $496.31M | $437.63M | $1.29M | $54.23M |
| Jun 2025 | $509.41M | $448.04M | $2.15M | $57.24M |
| Jun 2026 | $540.50M | $477.03M | $387.00K | $58.57M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $388.03M | 8 |
| Colorado | $52.26M | 1 |
| Oklahoma | $36.73M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $477.03M.
Similar-sized banks
Rayne State Bank & Trust Company ($540.52M) · Vast Bank, National Association ($540.41M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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