BlastPoint's Banking Scorecard
Herring Bank
Micro
Specialty: Commercial
TX
FDIC cert 5568
Designations: ✓ Community bank
Amarillo, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Herring Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.87% above tier
- + Non-Interest-Bearing Deposit Share 16.06% above tier
- + Non-Interest Income / Assets 2.56% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$487.5M
-0.7% YoY
-3.4% QoQ
|
+$270.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$351.3M
+1.1% YoY
-1.1% QoQ
|
+$212.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$424.5M
-1.6% YoY
-3.7% QoQ
|
+$240.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
0.98%
+27.6% QoQ
|
-0.10% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
5.72%
+4.2% YoY
+2.5% QoQ
|
+1.87% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
84.62%
-11.5% YoY
-3.9% QoQ
|
+16.90% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.59%
+377.9% YoY
+72.4% QoQ
|
-0.05% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
82.77%
+2.7% YoY
+2.7% QoQ
|
+8.24% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
38.45%
+5.0% YoY
+3.7% QoQ
|
+16.06% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.47%
+374.7% YoY
+85.9% QoQ
|
+0.01% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
17.20%
+3.3% YoY
-1.6% QoQ
|
+8.35% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
3.12%
+60.0% YoY
+61.4% QoQ
|
+2.56% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (3)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.72%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.45%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
3.12%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Assets
Current: $487.5M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $424.5M · Tier avg: $183.7M
98
98th pctile
Non-Interest Income / Assets
Current: 3.12% · Tier avg: 0.56%
98
98th pctile
Total Loans
Current: $351.3M · Tier avg: $139.2M
97
97th pctile
Net Interest Margin
Current: 5.72% · Tier avg: 3.85%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.45% · Tier avg: 22.39%
79
79th pctile
Tier 1 Capital Ratio
Current: 17.20% · Tier avg: 8.85%
45
45th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
42
42th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.77% · Tier avg: 74.53%
14
14th pctile
Efficiency Ratio
Current: 84.62% · Tier avg: 67.73%
Top Weaknesses
14
14th pctile
Efficiency Ratio
Current: 84.62% · Tier avg: 67.73%
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.77% · Tier avg: 74.53%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
42
42th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
45
45th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
79
79th pctile
Tier 1 Capital Ratio
Current: 17.20% · Tier avg: 8.85%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.45% · Tier avg: 22.39%
97
97th pctile
Net Interest Margin
Current: 5.72% · Tier avg: 3.85%
98
98th pctile
Total Loans
Current: $351.3M · Tier avg: $139.2M
98
98th pctile
Non-Interest Income / Assets
Current: 3.12% · Tier avg: 0.56%
99
99th pctile
Total Deposits
Current: $424.5M · Tier avg: $183.7M
99
99th pctile
Total Assets
Current: $487.5M · Tier avg: $217.5M