🏦Bank Scorer

HERRING BANK

AMARILLO, TX · Supervised by FDIC

Est. 1899FDIC #5,568RSSD: FDIC-5568
Part ofHERRING BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.47%

Institution Profile

FDIC BankFind

Address

2201 Civic Cir, AMARILLO, TX

County

Potter County

Established

January 1, 1899

Total Assets

$528M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$528M

Total Deposits

$465M

Net Loans

$353M

Net Income

$595K

ROA

0.47%

ROE

4.04%

Risk-Based Capital

18.54%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.52%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$448M

1-Year Change

-1

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411975.63%2.52%
202314274.65%3.52%
202224979.52%5.22%
202134482.56%3.49%
202038286.91%2.36%
201927379.49%8.42%
201817477.59%12.07%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 2007

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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