Herring Bank: Bank Stress & Real-Estate Credit Exposure

At 85/100, Herring Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #5568. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Herring Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Read against its 8-county reach, a severe score sets the credit tone for every market on its map. Its footprint is compact and regionally concentrated: 201 ZIP codes in 8 counties over 3 states. Its heaviest exposure sits in Texas (6 counties), Colorado (1 county), Oklahoma (1 county). Herring Bank is held under Herring Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar does not model Herring Bank in isolation: the 201-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 8 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Its lending reaches counties such as Dallas County, TX, El Paso County, CO, Parker County, TX, Potter County, TX, each tied back to DLRadar's distress signals. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. The Herring Bank score updates as fresh FDIC call reports post each quarter, so its 85/100 reading and 8-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Herring Bank is directly comparable to any lender in the country.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Herring Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.