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The Bank Of Herrin
Herrin, IL · FDIC Certificate #11310 · Chartered 04/1
Total assets
$349.16M
Total deposits
$326.50M
Total equity
$21.58M
Net loans
$229.33M
Branches (offices)
5
Net income (YTD)
$2.17M
Rank: #2,257 of 4,213 U.S. banks by assets · #136 of 322 in Illinois. Assets changed 1.8% and deposits 0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 20.48% |
| Net interest margin (YTD) | 3.58% |
| Equity to assets | 6.18% |
| Tier 1 leverage ratio | 8.81% |
| Uninsured deposits (share of deposits) | 18.4% |
| Noncurrent loans (share of loans) | 0.83% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 70.2% |
| Real estate loans (share of loans) | 63.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $146.44M | 63.9% | |
| Commercial & industrial | $75.81M | 33.1% | |
| Consumer / individual | $3.83M | 1.7% | |
| Construction & development | $7.30M | 3.2% | |
| Agricultural | $142.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $298.98M | $286.84M | $1.84M | $11.93M |
| Jun 2023 | $304.81M | $288.69M | $2.01M | $10.71M |
| Jun 2024 | $328.76M | $314.97M | $1.54M | $12.85M |
| Jun 2025 | $342.97M | $324.68M | $1.78M | $17.33M |
| Jun 2026 | $349.16M | $326.50M | $2.17M | $21.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $326.50M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $326.50M.
Similar-sized banks
Firststate Bank ($349.35M) · Frontier Bank ($349.15M)
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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