Hertford Savings Bank, SSB
Hertford, NC · Cert 31345 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
SI · FDIC · 1 branch
Q2 2026
$20.7MAssets
$14.6MLoans
$18.5MDeposits
$2.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 182 of 748).
- Widest gap: efficiency ratio trails 97% of banks under $1B in assets operating in a single state (rank 731 of 752).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
-0.12%
Rank 727 of 752
Net Interest Margin
2.67%
Rank 688 of 752
Efficiency Ratio
102.14%
Rank 731 of 752
Equity / Assets
10.63%
Rank 364 of 752
Non-interest income vs. expense
Unfavorable gap of $564K · efficiency ratio beats 3% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.12% | 0.72% | 1.07% | 1.45% | Beats 3% | 727 / 752 | |
| Return on Equity | -1.09% | 6.78% | 10.58% | 13.65% | Beats 3% | 726 / 752 | |
| Net Interest Margin | 2.67% | 3.18% | 3.69% | 4.17% | Beats 9% | 688 / 752 | |
| Efficiency Ratio | 102.14% | 55.75% | 64.49% | 75.47% | Beats 3% | 731 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.42% | 1.03% | Beats 65% | 266 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 182 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 10.64% | 11.55% | 13.75% | 17.60% | Beats 16% | 635 / 752 | |
| Total Risk-Based Capital Ratio | 10.64% | 11.70% | 14.33% | 18.47% | Beats 14% | 647 / 752 | |
| Equity / Assets | 10.63% | 8.93% | 10.56% | 13.13% | Beats 52% | 364 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 79.22% | 62.23% | 78.64% | 91.26% | 51st pctl | 371 / 752 | |
| Loans / Assets | 70.79% | 54.61% | 67.41% | 76.47% | 58th pctl | 315 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |