Hertford Savings Bank, SSB
Hertford, NC · Cert 31345 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
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 185 of 743).
- Widest gap: efficiency ratio trails 97% of banks under $1B in assets operating in a single state (rank 727 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
-0.12%
Rank 723 of 746
Net Interest Margin
2.67%
Rank 683 of 746
Efficiency Ratio
102.14%
Rank 727 of 746
Equity / Assets
10.63%
Rank 352 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.12% | 0.72% | 1.06% | 1.45% | Beats 3% | 723 / 746 | | |
| Return on Equity | -1.09% | 6.74% | 10.51% | 13.63% | Beats 3% | 722 / 746 | | |
| Net Interest Margin | 2.67% | 3.17% | 3.68% | 4.16% | Beats 8% | 683 / 746 | | |
| Efficiency Ratio | 102.14% | 55.74% | 64.58% | 75.47% | Beats 3% | 727 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.42% | 1.07% | Beats 65% | 261 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.64% | 11.55% | 13.75% | 17.60% | Beats 16% | 630 / 746 | | |
| Total Risk-Based Capital Ratio | 10.64% | 11.71% | 14.33% | 18.43% | Beats 14% | 640 / 746 | | |
| Equity / Assets | 10.63% | 8.90% | 10.51% | 13.06% | Beats 53% | 352 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.22% | 61.31% | 78.27% | 90.78% | 52nd pctl | 361 / 746 | | |
| Loans / Assets | 70.79% | 53.60% | 66.97% | 76.08% | 59th pctl | 305 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |