BlastPoint's Banking Scorecard
Hertford Savings Bank, SSB
Designations: ✓ Community bank ✓ Mutual
Hertford, NC
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 7 in NC.
- Deposits +13.9% year over year ($18.5M on the books).
- Delinquency rate 0.22%.
- Return on assets -0.12%.
- Efficiency ratio 102.14% vs a 119.40% peer average.
- Loan-to-deposit ratio 78.49% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Hertford Savings Bank, SSB has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 17.25% below tier average
- + Delinquency Rate 1.26% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 1.36% below tier average
- - ROA 1.12% below tier average
- - Net Interest Margin 1.04% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$20.7M
+12.0% YoY
+1.3% QoQ
|
-$41.8M |
$62.4M
-0.0% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 4.9% in tier |
| Total Loans ? |
$14.5M
+10.8% YoY
+5.5% QoQ
|
-$20.4M |
$34.9M
-0.6% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$18.5M
+13.9% YoY
+1.6% QoQ
|
-$33.1M |
$51.6M
-0.2% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.0% in tier |
| Return on Assets ? |
-0.12%
-364.8% YoY
+60.5% QoQ
|
-1.12% |
1.00%
+3.5% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 11.8% in tier |
| Net Interest Margin ? |
2.88%
-1.2% YoY
+1.4% QoQ
|
-1.04% |
3.91%
+2.3% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.5% in tier |
| Efficiency Ratio ? |
102.14%
+0.9% YoY
-1.5% QoQ
|
-17.25% |
119.40%
+49.6% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
Bottom 11.2% in tier |
| Delinquency Rate ? |
0.22%
-8.1% QoQ
|
-1.26% |
1.48%
+31.8% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
78.49%
-2.7% YoY
+3.9% QoQ
|
+4.28% |
74.21%
+12.6% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
8.14%
+7.0% YoY
+1.2% QoQ
|
-15.35% |
23.49%
+0.6% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.9% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-4.3% QoQ
|
-0.68% |
0.84%
+23.0% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
10.64%
-13.3% YoY
-1.2% QoQ
|
-16.48% |
27.13%
+3.0% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 9.9% in tier |
| Non-Interest Income / Assets ? |
0.02%
+19.1% YoY
+31.6% QoQ
|
-1.36% |
1.38%
+6.3% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
8.1%
+0.5pp YoY +0.1pp QoQ |
-16.5pp | 24.6% | 21.8% | 22.2% | 8% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 10.5% | 12.5% | n/a |
| CRE |
17.6%
+8.0pp YoY +3.0pp QoQ |
-7.6pp | 25.2% | 46.3% | 41.4% | 40% |
| 1-4 Family |
81.0%
-7.6pp YoY -3.1pp QoQ |
+46.0pp | 35.0% | 44.2% | 31.3% | 92% |
| Consumer |
1.7%
-0.3pp YoY +0.1pp QoQ |
-6.0pp | 7.7% | 1.6% | 5.0% | 19% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.8% | 19.7% | n/a |
| Leverage Ratio |
10.6%
-1.6pp YoY -0.1pp QoQ |
-7.0pp | 17.7% | 14.4% | 12.6% | 25% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
3
0 YoY 0 QoQ |
-9 | 12 | 5,103 | 482 | 1% |
| Assets per Employee ($) |
$6.9M
+12.0% YoY +1.3% QoQ |
+$706K | $6.2M | $9.4M | $8.8M | 64% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 170 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual | 0.2% | -1.5pp | 1.7% | 0.7% | 1.0% | 24% |
| Allowance Coverage |
4.22x
+3.1% QoQ |
-2.19x | 6.41x | 3.36x | 20.23x | 76% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-1.1%
-1.5pp YoY +1.6pp QoQ |
-7.5pp | 6.4% | 8.7% | 11.6% | 12% |
| Cost of Funds (YTD) |
2.4%
-0.1pp YoY 0.0pp QoQ |
+1.0pp | 1.4% | 1.8% | 1.7% | 91% |
| Net Income ($, YTD) |
$-12000.0
-400.0% YoY — QoQ |
-$330K | $317,817 | $518.0M | $40.4M | 12% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.