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Hebron Savings Bank

Hebron, MD · Cert 8811 · HSB Bcorp Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

$838.8MAssets
$638.6MLoans
$723.0MDeposits
$107.2MEquity
Loan mix
93%RE $574.0M6%C&I $34.8M1%Consumer $6.4MQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $426.8M41%Noninterest $296.1MQ2 2025Q2 2026

NIM

5.11%Q2 ’245.22%Q2 ’255.32%Q2 ’26-4%+2%

Non-interest income vs. expense

2.58%Q2 ’242.64%Q2 ’252.54%Q2 ’26+3%-3%

Market Position · Salisbury, MD · 2026 SOD (annual) · 20.1% share · #1 of 10 inst. · $0.5B of $2.6B

17.4% Wicomico
26.1% Dorchester
40.3% Somerset
0.6% Worcester

Executive Summary

  • Earnings: ROA of 1.68%, up 7 bps year over year; NIM at 4.34%.
  • Asset quality: problem loans at 0.08% of loans (-5 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 13.35%, up 19 bps from a year ago.
  • Funding: loans stand at 88.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.68%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.34%+9 bps YoY

Efficiency Ratio (YTD, annualized)

53.61%-278 bps YoY

Tier 1 Leverage Ratio

13.35%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.61%1.67%1.71%1.68%+7 bps
Return on Equity13.33%13.15%13.54%13.47%13.21%-12 bps
Net Interest Margin4.25%4.22%4.20%4.34%4.34%+9 bps
Efficiency Ratio56.39%55.58%54.41%53.99%53.61%-278 bps
Non-Interest Burden2.21%2.16%2.09%2.16%2.14%-6 bps
Growth
Asset Growth (YoY)4.23%5.14%7.66%6.47%8.03%+380 bps
Loan Growth (YoY)-3.42%1.14%8.48%9.82%13.57%+1,698 bps
Deposit Growth (YoY)3.71%4.63%7.25%5.99%8.16%+445 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.21%0.17%0.08%0.08%-5 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.01%-0.07%-7 bps
Allowance / Loans1.47%1.41%1.36%1.33%1.34%-13 bps
Allowance Coverage of NPLs10.9x6.7x7.9x17.6x15.9x+5.0x
Capital
Tier 1 Leverage Ratio13.17%13.23%13.13%13.44%13.35%+19 bps
Total Risk-Based Capital18.24%17.63%16.87%17.36%17.30%-95 bps
Equity / Assets12.38%12.64%12.57%12.79%12.78%+40 bps
Liquidity & Funding
Loans / Deposits84.12%85.96%89.49%87.54%88.32%+420 bps
Liquid Assets / Assets11.18%10.30%7.71%10.03%9.68%-150 bps
CRE / Total Capitaln/a305%331%317%n/an/a