BlastPoint's Banking Scorecard

Hertford Savings Bank, SSB

under $100M Specialty: Mortgage NC FDIC cert 31345

Designations: ✓ Community bank ✓ Mutual

Hertford, NC

541 banks in the under $100M peer group nationally 7 in NC

Hertford Savings Bank, SSB has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.13% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.65% below tier average
- ROA 1.14% below tier average
- Net Interest Margin 1.02% below tier average
- Efficiency Ratio 15.31% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$20.4M +15.6% YoY +5.1% QoQ	-$41.7M	$62.2M -0.6% YoY	$92.4B +2.4% YoY	$6.2B +9.1% YoY	Bottom 4.6% in tier
Total Loans ?	$13.7M +4.3% YoY +2.8% QoQ	-$20.5M	$34.2M -1.4% YoY	$45.0B +8.2% YoY	$3.2B +10.8% YoY	16%
Total Deposits ?	$18.2M +18.0% YoY +5.8% QoQ	-$33.5M	$51.7M -0.7% YoY	$72.8B +2.6% YoY	$4.8B +8.2% YoY	Bottom 7.9% in tier
Return on Assets ?	-0.30% -269.4% QoQ	-1.14%	0.84% -2.3% YoY	0.99% +29.5% YoY	1.23% +13.4% YoY	Bottom 12.0% in tier
Net Interest Margin ?	2.84% -6.3% YoY -3.2% QoQ	-1.02%	3.86% +2.8% YoY	3.42% +5.0% YoY	3.89% +5.7% YoY	Bottom 12.6% in tier
Efficiency Ratio ?	103.65% +11.4% YoY -0.2% QoQ	+15.31%	88.34% +0.3% YoY	69.88% -8.6% YoY	66.95% -4.1% YoY	Bottom 12.4% in tier
Delinquency Rate ?	0.24% -7.0% YoY -2.7% QoQ	-1.13%	1.37% +33.8% YoY	0.64% +21.6% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	75.54% -11.6% YoY -2.9% QoQ	+11.33%	64.22% -0.7% YoY	79.67% +1.0% YoY	76.70% +0.9% YoY	35%
Non-Interest-Bearing Deposit Share ?	8.05% +15.3% YoY -11.5% QoQ	-15.67%	23.71% +0.3% YoY	18.50% +0.3% YoY	22.01% -1.2% YoY	Bottom 12.9% in tier
Nonperforming Asset Ratio ?	0.16% -16.0% YoY -4.8% QoQ	-0.63%	0.79% +28.2% YoY	0.45% +20.5% YoY	0.67% +19.3% YoY	55%
Tier 1 Capital Ratio ?	10.78% -11.1% YoY -3.9% QoQ	-15.91%	26.68% +2.0% YoY	20.13% +3.0% YoY	17.06% +0.8% YoY	Bottom 11.3% in tier
Non-Interest Income / Assets ?	0.01% +29.8% YoY -42.9% QoQ	-0.65%	0.67% +1.9% YoY	0.21% +7.3% YoY	0.32% +4.1% YoY	Bottom 9.2% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

517

Total Assets

size

Value: $20.42M

Peer Median: $62.16M

#517 of 541 Bottom 4.6% in under $100M

499

Total Deposits

size

Value: $18.20M

Peer Median: $51.74M

#499 of 541 Bottom 7.9% in under $100M

492

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#492 of 541 Bottom 9.2% in under $100M

481

Tier 1 Capital Ratio

capital

Value: 10.78%

Peer Median: 26.68%

#481 of 541 Bottom 11.3% in under $100M

477

Return on Assets

profitability

Value: -0.30%

Peer Median: 0.84%

#477 of 541 Bottom 12.0% in under $100M

475

Efficiency Ratio

profitability

Value: 103.65%

Peer Median: 88.34%

#475 of 541 Bottom 12.4% in under $100M

474

Net Interest Margin

profitability

Value: 2.84%

Peer Median: 3.86%

#474 of 541 Bottom 12.6% in under $100M

472

Non-Interest-Bearing Deposit Share

funding

Value: 8.05%

Peer Median: 23.71%

#472 of 541 Bottom 12.9% in under $100M

453

Total Loans

size

Value: $13.74M

Peer Median: $34.25M

#453 of 541 Bottom 16.5% in under $100M