BlastPoint's Banking Scorecard

Hebron Savings Bank

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

Hebron, MD

13 branches across MD

2664 banks in the $100M-$1B peer group nationally 17 in 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

+ Deposit Franchise: Top 31.2% in tier
+ ROA 0.44% above tier average
+ Efficiency Ratio 11.30% below tier average
+ Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 45.2% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$821.9M +6.5% YoY +1.0% QoQ	+$435.8M	$386.1M +0.5% YoY	$1.8B +4.9% YoY	$6.2B +9.1% YoY	Top 7.4% in tier
Total Loans ?	$610.4M +10.0% YoY -1.3% QoQ	+$354.7M	$255.7M +1.1% YoY	$1.3B +7.3% YoY	$3.2B +10.8% YoY	Top 5.6% in tier
Total Deposits ?	$706.7M +6.0% YoY +0.9% QoQ	+$378.7M	$328.0M +0.1% YoY	$1.6B +7.4% YoY	$4.8B +8.2% YoY	Top 6.4% in tier
Return on Assets ?	1.71% +8.5% YoY +2.6% QoQ	+0.44%	1.27% +12.9% YoY	0.90% +4.7% YoY	1.23% +13.4% YoY	78%
Net Interest Margin ?	4.65% +4.0% YoY -0.7% QoQ	+0.72%	3.93% +6.0% YoY	3.69% +5.2% YoY	3.89% +5.7% YoY	Top 14.2% in tier
Efficiency Ratio ?	53.99% -8.6% YoY -0.8% QoQ	-11.30%	65.29% -4.5% YoY	68.69% -3.5% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	0.08% -59.6% YoY -55.9% QoQ	-0.81%	0.89% +18.8% YoY	1.00% +1.9% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	86.38% +3.8% YoY -2.1% QoQ	+9.74%	76.64% +0.8% YoY	87.36% +2.8% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	40.27% +2.3% YoY -3.2% QoQ	+18.25%	22.02% -1.0% YoY	20.21% -0.6% YoY	22.01% -1.2% YoY	Top 4.5% in tier
Nonperforming Asset Ratio ?	0.11% -22.1% YoY -41.6% QoQ	-0.53%	0.64% +19.7% YoY	0.86% +7.2% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	16.11% -4.0% YoY +3.2% QoQ	+0.28%	15.83% +1.5% YoY	16.27% -0.9% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.10% -6.0% YoY -76.8% QoQ	-0.18%	0.28% +9.3% YoY	0.12% -21.7% YoY	0.32% +4.1% YoY	51%

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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 (1)

Deposit Franchise

growth

#86 of 272 • Top 31.2% 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: 40.27%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.65%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#335 of 739 • Bottom 45.2% 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: 16.11%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 86.38%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (8 metrics)

122

Non-Interest-Bearing Deposit Share

funding

Value: 40.27%

Peer Median: 22.02%

#122 of 2664 Top 4.5% in $100M-$1B

149

Total Loans

size

Value: $610.43M

Peer Median: $255.72M

#149 of 2664 Top 5.6% in $100M-$1B

171

Total Deposits

size

Value: $706.70M

Peer Median: $327.97M

#171 of 2664 Top 6.4% in $100M-$1B

198

Total Assets

size

Value: $821.93M

Peer Median: $386.08M

#198 of 2664 Top 7.4% in $100M-$1B

378

Net Interest Margin

profitability

Value: 4.65%

Peer Median: 3.93%

#378 of 2664 Top 14.2% in $100M-$1B

588

Return on Assets

profitability

Value: 1.71%

Peer Median: 1.27%

#588 of 2664 Top 22.0% in $100M-$1B

631

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#631 of 2654 Top 23.7% in $100M-$1B

638

Efficiency Ratio

profitability

Value: 53.99%

Peer Median: 65.29%

#638 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available