Hebron Savings Bank
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
$838.8MAssets
$638.6MLoans
$723.0MDeposits
$107.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 85% of banks under $1B in assets (rank 92 of 629).
- Widest gap: net charge-offs / loans trails 46% of banks under $1B in assets (rank 269 of 581).
- Overall: at or above the peer median on 9 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $18.0M · efficiency ratio beats 83% of banks under $1B in assets | 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 |