TX lenders / Community Bank
Herring Bank
Community Bank · Amarillo, TX · Herring Bcorp Inc
- Total assets
- $528.4M
- CRE loan book
- $222.8M
- QoQ CRE growth
- 0.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.64% as of Q1 2026 — TX bank median 6.76% (0.88pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.64% | 7.83% |
| Q4 2025 | 7.74% | 8.03% |
| Q3 2025 | 7.85% | 8.00% |
| Q2 2025 | 7.61% | 7.87% |
| Q1 2025 | 7.24% | 7.58% |
| Q4 2024 | 7.53% | 7.86% |
| Q3 2024 | 7.20% | 7.57% |
| Q2 2024 | 6.95% | 7.36% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $222.8M | $38.4M | $9.7M | 249% | $26,000 |
| Q4 2025 | $221.5M | $38.5M | $10.2M | 254% | $43,000 |
| Q3 2025 | $213.9M | $34.5M | $10.3M | 246% | $58,000 |
| Q2 2025 | $205.4M | $29.8M | $10.6M | 246% | $72,000 |
| Q1 2025 | $197.5M | $21.6M | $8.4M | 238% | $80,000 |
| Q4 2024 | $211.6M | $41.0M | $6.3M | 264% | $85,000 |
| Q3 2024 | $215.4M | $39.9M | $5.8M | 268% | $90,000 |
| Q2 2024 | $218.0M | $38.8M | $6.4M | 270% | $95,000 |
Signals
Regulatory actions
- FDIC Removal/Prohibition Order — FDIC stipulated orders and written agreements — removal/prohibition order — involving Herring Bank, issued 2026-05-19 (docket FDIC-24-0059e).May 19, 2026
- FDIC Cease and Desist / Consent Orders — FDIC termination of action — cease and desist / consent orders — involving Herring Bank, issued 2026-05-01 (docket FDIC-22-0140b).May 1, 2026
- FDIC Cease and Desist / Consent Orders — FDIC termination of action — cease and desist / consent orders — involving Herring Bank, issued 2026-05-01 (docket FDIC-21-0066b).May 1, 2026
- FDIC Assessment of Civil Money Penalty;Removal/Prohibition Order — FDIC notice of charges & of hearing — assessment of civil money penalty;removal/prohibition order — involving Herring Bank, issued 2026-04-30 (docket FDIC-24-0059e, FDIC-24-0060k).Apr 30, 2026
Herring Bank: frequently asked questions
- How large is Herring Bank's commercial real estate loan book?
- As of Q1 2026, Herring Bank reported $222.8M in commercial real estate loans out of $528.4M in total assets, per its FFIEC Call Report.
- Is Herring Bank above the 300% CRE concentration guideline?
- Herring Bank's CRE loans stood at 249% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Herring Bank growing or shrinking its CRE lending?
- Herring Bank's CRE loan book grew 0.6% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- Has Herring Bank faced regulatory enforcement actions?
- Yes — 4 regulatory enforcement actions on record for Herring Bank, most recently from the FDIC (Removal/Prohibition Order) on May 19, 2026. See the Signals section for details and sources.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Texas Champion BankCommunity Bank · Corpus Christi · $223.3M CRE book
- First State BankCommunity Bank · New London · $223.6M CRE book
- Arthur State BankCommunity Bank · Union · $224.0M CRE book
- Citizens State Bank of New Castle, IndianaCommunity Bank · New Castle · $221.3M CRE book
- F&M BankCommunity Bank · Edmond · $224.9M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.