Hebron, MD · Cert 8811 · HSB Bcorp Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
65
Profitability
80
Liquidity
66
Efficiency
83
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hebron, MD · Cert 8811 · HSB Bcorp Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Salisbury, MD · 2026 SOD (annual) · 20.1% share · #1 of 10 inst. · $0.5B of $2.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 1.67% | 1.58% | 1.61% | 1.61% | 1.67% | 1.71% | 1.68% | +7 bps | |
| Return on Equity | 15.06% | 14.58% | 13.19% | 13.33% | 13.15% | 13.54% | 13.47% | 13.21% | -12 bps | |
| Net Interest Margin | 4.34% | 4.30% | 4.15% | 4.25% | 4.22% | 4.20% | 4.34% | 4.34% | +9 bps | |
| Efficiency Ratio | 53.25% | 53.35% | 59.05% | 56.39% | 55.58% | 54.41% | 53.99% | 53.61% | -278 bps | |
| Non-Interest Burden | 2.11% | 2.09% | 2.28% | 2.21% | 2.16% | 2.09% | 2.16% | 2.14% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.55% | 4.42% | 7.05% | 4.23% | 5.14% | 7.66% | 6.47% | 8.03% | +380 bps | |
| Loan Growth (YoY) | 11.98% | 7.32% | 4.27% | -3.42% | 1.14% | 8.48% | 9.82% | 13.57% | +1,698 bps | |
| Deposit Growth (YoY) | -0.31% | 3.83% | 6.53% | 3.71% | 4.63% | 7.25% | 5.99% | 8.16% | +445 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.17% | 0.19% | 0.13% | 0.21% | 0.17% | 0.08% | 0.08% | -5 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.04% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | -0.07% | -7 bps | |
| Allowance / Loans | 1.49% | 1.49% | 1.47% | 1.47% | 1.41% | 1.36% | 1.33% | 1.34% | -13 bps | |
| Allowance Coverage of NPLs | 7.6x | 8.5x | 7.9x | 10.9x | 6.7x | 7.9x | 17.6x | 15.9x | +5.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.43% | 12.54% | 13.00% | 13.17% | 13.23% | 13.13% | 13.44% | 13.35% | +19 bps | |
| Total Risk-Based Capital | 16.86% | 17.20% | 18.03% | 18.24% | 17.63% | 16.87% | 17.36% | 17.30% | -95 bps | |
| Equity / Assets | 11.89% | 11.82% | 12.07% | 12.38% | 12.64% | 12.57% | 12.79% | 12.78% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.92% | 88.47% | 84.49% | 84.12% | 85.96% | 89.49% | 87.54% | 88.32% | +420 bps | |
| Liquid Assets / Assets | 5.77% | 6.76% | 10.58% | 11.18% | 10.30% | 7.71% | 10.03% | 9.68% | -150 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 305% | 331% | 317% | n/a | n/a | |
Hebron, MD · Cert 8811 · Peer group: banks under $1B in assets (n=581-629) · HSB Bcorp Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
Return on Assets
1.65%
Rank 121 of 629
Net Interest Margin
4.34%
Rank 92 of 629
Efficiency Ratio
53.61%
Rank 105 of 629
Equity / Assets
12.78%
Rank 194 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.65% | 0.60% | 1.01% | 1.45% | Beats 81% | 121 / 629 | ||
| Return on Equity | 12.92% | 5.38% | 9.30% | 13.28% | Beats 73% | 170 / 629 | ||
| Net Interest Margin | 4.34% | 3.03% | 3.54% | 4.05% | Beats 85% | 92 / 629 | ||
| Efficiency Ratio | 53.61% | 58.35% | 67.79% | 79.08% | Beats 83% | 105 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.46% | 1.20% | Beats 76% | 139 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 54% | 269 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.05% | 11.24% | 13.84% | 18.77% | Beats 65% | 222 / 629 | ||
| Total Risk-Based Capital Ratio | 17.30% | 11.58% | 14.43% | 19.66% | Beats 68% | 200 / 629 | ||
| Equity / Assets | 12.78% | 9.09% | 10.65% | 13.80% | Beats 69% | 194 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.32% | 67.24% | 80.90% | 93.48% | 65th pctl | 205 / 594 | ||
| Loans / Assets | 76.13% | 53.31% | 67.71% | 78.15% | 69th pctl | 193 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||