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The Bank of Herrin

$100M-$1B Specialty: Commercial IL FDIC cert 11310

Herrin, IL

5 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

The Bank of Herrin has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 33.4% in tier
  • - ROA 0.06% below tier average
  • - Net Interest Margin 0.40% below tier average
  • - Efficiency Ratio 2.57% above tier average
Get updates when The Bank of Herrin releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $359.1M
+5.7% YoY +2.8% QoQ
-$27.0M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
55%
Total Loans ? $231.0M
+12.4% YoY +1.2% QoQ
-$24.7M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
56%
Total Deposits ? $337.9M
+4.5% YoY +3.4% QoQ
+$9.9M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
61%
Return on Assets ? 1.21%
+17.5% YoY +13.6% QoQ
-0.06% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
50%
Net Interest Margin ? 3.53%
+5.7% YoY +2.2% QoQ
-0.40% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
32%
Efficiency Ratio ? 67.85%
-5.5% YoY -6.2% QoQ
+2.57% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
37%
Delinquency Rate ? 0.72%
+12.1% YoY +10.6% QoQ
-0.16% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
35%
Loan-to-Deposit Ratio ? 68.36%
+7.6% YoY -2.1% QoQ
-8.28% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
70%
Non-Interest-Bearing Deposit Share ? 12.30%
-6.9% YoY -3.2% QoQ
-9.72% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
16%
Nonperforming Asset Ratio ? 0.47%
+18.4% YoY +8.9% QoQ
-0.17% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
40%
Tier 1 Capital Ratio ? 12.07%
+3.2% YoY -3.1% QoQ
-3.76% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.13%
+4.7% YoY -81.2% QoQ
-0.15% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
66%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#438 of 1308 • Bottom 33.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.72%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2248
Non-Interest-Bearing Deposit Share
funding
Value: 12.30%
Peer Median: 22.02%
#2248 of 2664 Bottom 15.7% in $100M-$1B
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