Herring Bank (FDIC #5568): Bank Stress & Real-Estate Credit Exposure
Herring Bank (FDIC Cert #5568): bank stress 85/100, severe, STABLE over 7 days; parent HERRING BCORP INC.
Herring Bank (#5568) lends in 7 counties across 3 states; Herring Bank (#5568) reaches 106 ZIP codes: Texas 5 counties, 49 ZIPs; Colorado 1 county, 47 ZIPs; Oklahoma 1 county, 10 ZIPs.
Herring Bank (#5568) largest markets: El Paso County, CO (47 branches, 47 ZIPs) (#5568), Parker County, TX (19 branches, 19 ZIPs) (#5568), Potter County, TX (34 branches, 17 ZIPs) (#5568), Jackson County, OK (20 branches, 10 ZIPs) (#5568), Donley County, TX (6 branches, 6 ZIPs) (#5568), Wilbarger County, TX (18 branches, 6 ZIPs) (#5568).
Herring Bank (#5568) reports $540.5 million in total assets; Herring Bank (#5568) equity $58.6 million (10.8% of Herring Bank (#5568) assets); Herring Bank (#5568) domestic deposits $477.0 million; Herring Bank (#5568) net income $387,000; Herring Bank (#5568) return on assets 0.15%; Herring Bank (#5568) return on equity 1.32%; Herring Bank (#5568) net interest income $13.5 million; Herring Bank (#5568) call report June 30, 2026.
Herring Bank (#5568) noncurrent real-estate loans: none reported; Herring Bank (#5568) net charge-offs on real estate 0.34%; Herring Bank (#5568) residential charge-offs 0.01%.
Herring Bank (#5568) net interest margin 5.70% against an eight-quarter Herring Bank (#5568) average of 5.55% (Herring Bank (#5568) compression -0.16 points); Herring Bank (#5568) non-residential real estate 0.6% of equity; Herring Bank (#5568) rate-exposure score 40/100, Herring Bank (#5568) fixed-rate trap 40/100; Herring Bank (#5568) risk type credit driven; Herring Bank (#5568) rate regime rates elevated, Herring Bank (#5568) snapshot October 19, 2026.
Herring Bank (#5568) stress score moved from 75.2 on June 22, 2026 to 84.5 on October 19, 2026; Herring Bank (#5568) ranged 75.2 to 84.5 over 116 snapshots.
Herring Bank (#5568) alerts: 7 counties; top Herring Bank (#5568) alert scores: Altus County, TX 24 (low); Amarillo County, TX 24 (low); Azle County, TX 24 (low); Clarendon County, TX 24 (low); Colorado Springs County, TX 24 (low).