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 | |