No stored Google rating available.
Community bank offering personal banking, business loans, mortgages, and wealth management across Texas, Oklahoma, and Colorado with emphasis on local relationship banking.
Data compiled from public sources
Herring Bank positions itself as a community-focused financial institution rather than a large impersonal corporation. The bank's marketing emphasizes being "part of your community" and treating customers as neighbors rather than account numbers. Founded with roots in local banking, the institution has expanded its footprint across multiple states while maintaining the community bank philosophy.
The bank offers a comprehensive range of financial services including personal banking (checking, savings), business banking and SBA loans, mortgage origination and refinancing (conventional, FHA, VA, jumbo, reverse mortgages), personal loans, wealth management for business owners and professionals, student banking, and online/mobile banking platforms. They provide loan calculators and branch locators to help customers access services. The bank operates physical branches across Texas (with extensive coverage in Dallas, Houston, Austin, San Antonio, and other major metros), Oklahoma (Oklahoma City, Tulsa, and surrounding areas), and Colorado.
Herring Bank distinguishes itself through local lending experience context, with emphasis on personal relationships and understanding customer needs beyond standardized criteria. They highlight having "local lenders that take the time to understand your business" for commercial lending. The bank takes fraud prevention seriously, explicitly warning customers they will never call asking for account information.
A customer testimonial from 1998 indicates long-term customer retention and successful business lending track record. As a traditional community bank, Herring Bank likely competes on service quality and local knowledge rather than digital innovation or promotional rates. The website lacks specific information on interest rates, fees, minimum balances, or APYs—standard transparency issues with traditional banks.
No mention of FDIC insurance details, product-specific terms, or competitive rate comparisons appears on the homepage. The bank's regional limitation (primarily Texas/Oklahoma/Colorado) may restrict access for customers outside these areas.
This is state-level context for Banks consumers in Amarillo, TX. It does not confirm that Herring Bank or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Herring Bank processed 118 mortgage applications in 2023, with 95.8% recorded as approved across 3 states.
118
Applications
95.8%
Approval Rate
$203K
Avg Loan
3
States Served
Based on 118 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Herring Bank offers 12 services including Personal checking and savings accounts, Business banking and cash management, SBA business loans and acquisition financing, Personal loans for purchases, home improvement, and debt consolidation, Conventional, FHA, VA, jumbo, reverse, and cash-out refinance mortgages, and 7 more.
Herring Bank has profile signals associated with Small business owners and entrepreneurs in Texas/Oklahoma who value relationship-based lending and local understanding, Homebuyers in targeted states seeking mortgage options (conventional, FHA, VA, jumbo) with personal service, High-net-worth individuals and business owners seeking wealth management and comprehensive financial planning, Customers in served markets who prefer relationship banking and community bank values over large national institutions.
Key strengths: Offers full-service banking across personal, business, mortgage, and wealth management—comprehensive one-stop solution; Local relationship banking model with loan officers who understand individual business needs and customer circumstances; Extensive mortgage product options including VA, FHA, jumbo, reverse mortgages, and refinancing across multiple states. Areas to consider: Website lacks specific interest rates, APYs, fees, or minimum balance requirements—difficult to compare to competitors; Limited geographic footprint (primarily Texas, Oklahoma, Colorado) restricts access for customers in other regions.
In the Banks category, comparable providers include Credit Human | Park Ten Financial Health Center, PECU, SouthStar Bank Austin Loan Office. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Herring Bank is profile signals for small business owners, entrepreneurs, and homebuyers in Texas, Oklahoma, and Colorado who value local relationship banking and personal service over digital-first banking or promotional rates. The main caveat is lack of pricing transparency on the website and geographic limitation to three states—customers outside served markets cannot access accounts.
Credit Human is a credit union offering checking, savings, loans, and investment products with rate claims to verify and zero-fee checking accounts.
Google rating from 54 reviews
Profile signals: Members seeking fee-free checking and savings with rate claims to verify, Homebuyers interested in down-payment-free mortgage options
PECU is a member-owned, not-for-profit credit union in Austin, TX offering full-service banking including checking, savings, loans, and credit cards with rewards programs.
Google rating from 225 reviews
Profile signals: Austin-area residents seeking rewards-based checking with cash back on everyday spending categories, Credit union members who value not-for-profit structure and member ownership over corporate banking
SouthStar Bank is a Texas-based community bank serving the state since 1920, offering personal and commercial banking with locally-made loan decisions.
Google rating from 8 reviews
Profile signals: Texas-based small business owners seeking SBA or commercial construction financing with local decision-makers, Homebuilders and real estate developers needing spec home loans and construction financing
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