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
Recorded CRE activity — harris County
2 commercial deeds of trust recorded recently, verified from county records.
- Jul 30, 2026 · unknownundisclosed
- Jul 30, 2026 · unknownundisclosed
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 4.87% (2.77pp 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.
- How active is Herring Bank in recorded CRE lending?
- 2 commercial deeds of trust naming Herring Bank as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Jul 30, 2026.
- 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 National Bank of LouisianaCommunity Bank · Crowley · $223.9M 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
- Baraboo State BankCommunity Bank · Baraboo · $225.1M CRE book
Markets where Herring Bank lends
Herring Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Last updated Jul 30, 2026 · Sources: FFIEC CDR, county records, first-party conversations.