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Hebron Savings Bank

$100M-$1B Specialty: Commercial MD FDIC cert 8811

Hebron, MD

14 branches across MD

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 16 in MD.
  • Deposits +8.2% year over year ($723.0M on the books).
  • Delinquency rate 0.09%.
  • Return on assets 1.68%.
  • Efficiency ratio 53.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.14% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 16 in MD
View $100M-$1B leaderboard (MD) →

Hebron Savings Bank has 4 strengths but faces 1 concern

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

  • + Credit Quality Leader: Top 21.2% in tier
  • + Deposit Franchise: Top 27.0% in tier
  • + ROA 0.36% above tier average
  • + Efficiency Ratio 10.87% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 46.2% in tier
Get updates when Hebron Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Total Assets ? $838.8M
+8.0% YoY +2.1% QoQ
+$452.2M $386.6M
+1.2% YoY
$1.8B
+4.0% YoY
$6.3B
+7.7% YoY
Top 6.2% in tier
Total Loans ? $630.0M
+13.7% YoY +3.2% QoQ
+$371.7M $258.3M
+1.7% YoY
$1.3B
+3.8% YoY
$3.2B
+9.4% YoY
Top 4.8% in tier
Total Deposits ? $723.0M
+8.2% YoY +2.3% QoQ
+$396.3M $326.7M
+0.7% YoY
$1.6B
+4.1% YoY
$4.9B
+7.3% YoY
Top 5.3% in tier
Return on Assets ? 1.68%
+4.2% YoY -1.7% QoQ
+0.36% 1.32%
+10.8% YoY
0.92%
+12.6% YoY
1.30%
+12.1% YoY
75%
Net Interest Margin ? 4.73%
+2.9% YoY +1.7% QoQ
+0.74% 3.99%
+5.0% YoY
3.72%
+5.0% YoY
3.95%
+4.9% YoY
Top 13.5% in tier
Efficiency Ratio ? 53.61%
-4.9% YoY -0.7% QoQ
-10.87% 64.48%
-3.2% YoY
67.38%
-3.5% YoY
70.05%
+2.5% YoY
75%
Delinquency Rate ? 0.09%
-37.8% YoY +11.4% QoQ
-0.83% 0.92%
+15.7% YoY
1.07%
+9.6% YoY
0.98%
+16.3% YoY
76%
Loan-to-Deposit Ratio ? 87.14%
+5.1% YoY +0.9% QoQ
+9.19% 77.95%
+1.0% YoY
87.38%
+1.5% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 40.96%
+1.3% YoY +1.7% QoQ
+18.93% 22.03%
-0.6% YoY
20.47%
+3.3% YoY
21.98%
-0.6% YoY
Top 4.0% in tier
Nonperforming Asset Ratio ? 0.10%
+7.5% YoY -0.9% QoQ
-0.56% 0.67%
+16.4% YoY
0.90%
+8.0% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 16.05%
-5.6% YoY -0.4% QoQ
+0.14% 15.91%
+1.4% YoY
16.33%
+1.1% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.20%
-7.4% YoY +102.6% QoQ
-0.37% 0.57%
+7.6% YoY
0.25%
+1.8% YoY
0.66%
+5.2% YoY
49%

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 (MD) National Avg Tier Percentile
Noninterest-Bearing 41.0%
+0.5pp YoY
+0.7pp QoQ
 +18.8pp 22.1% 21.3% 22.2% 96%
Brokered Deposits n/a n/a 7.9% 10.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
C&I 5.5%
-1.1pp YoY
-0.2pp QoQ
 -6.0pp 11.6% 8.9% 12.5% 23%
CRE 56.8%
+0.6pp YoY
-0.4pp QoQ
 +17.3pp 39.5% 50.0% 41.4% 81%
1-4 Family 26.8%
-2.8pp YoY
-0.4pp QoQ
 -5.8pp 32.6% 37.9% 31.3% 44%
Consumer 1.0%
-0.1pp YoY
0.0pp QoQ
 -3.1pp 4.1% 3.2% 5.0% 29%

Capital

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
CET1 Ratio 16.1%
-0.9pp YoY
-0.1pp QoQ
 -2.8pp 18.8% 16.4% 19.7% 58%
Leverage Ratio 13.4%
+0.2pp YoY
-0.1pp QoQ
 +1.2pp 12.2% 13.0% 12.6% 77%
Total Capital Ratio 17.3%
-0.9pp YoY
-0.1pp QoQ
 -2.6pp 19.9% 17.5% 20.8% 59%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Full-Time Employees 135
-6 (-4.3%) YoY
0 QoQ
 +76 58 170 482 96%
Assets per Employee ($) $6.2M
+12.8% YoY
+2.1% QoQ
 -$1.3M $7.5M $9.4M $8.8M 37%
Branch Count 14
0 YoY
0 QoQ
 +9 4 9 18 97%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.1% 1.0% 16%
Allowance Coverage 15.92x
+46.2% YoY
-9.7% QoQ
 -8.24x 24.15x 46.66x 20.23x 87%
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
-0.1pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
ROE 13.2%
-0.1pp YoY
-0.3pp QoQ
 +1.0pp 12.2% 8.0% 11.6% 57%
Cost of Funds (YTD) 1.1%
0.0pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.9% 1.7% 12%
Net Income ($, YTD) $6.9M
+11.9% YoY
— QoQ
 +$4.4M $2.6M $8.4M $40.4M 95%

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 (2)

Credit Quality Leader

growth
#141 of 659 • Top 21.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.09%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Deposit Franchise

growth
#76 of 278 • Top 27.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 40.96%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.73%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#344 of 742 • Bottom 46.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.05%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 87.14%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

106
Non-Interest-Bearing Deposit Share
funding
Value: 40.96%
Peer Median: 22.03%
#106 of 2643 Top 4.0% in $100M-$1B
129
Total Loans
size
Value: $630.03M
Peer Median: $258.35M
#129 of 2643 Top 4.8% in $100M-$1B
140
Total Deposits
size
Value: $722.99M
Peer Median: $326.73M
#140 of 2643 Top 5.3% in $100M-$1B
164
Total Assets
size
Value: $838.80M
Peer Median: $386.57M
#164 of 2643 Top 6.2% in $100M-$1B
359
Net Interest Margin
profitability
Value: 4.73%
Peer Median: 3.99%
#359 of 2643 Top 13.5% in $100M-$1B
642
Delinquency Rate
credit_quality
Value: 0.09%
Peer Median: 0.92%
#642 of 2633 Top 24.3% in $100M-$1B
657
Efficiency Ratio
profitability
Value: 53.61%
Peer Median: 64.48%
#657 of 2643 Top 24.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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