HEBRON SAVINGS BANK

HEBRON, MD | Medium | Est. June 11, 1910, midnight | FDIC #8811 | RSSD #780722 | FDIC
Latest Report: 2025-12-31

HEBRON SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in HEBRON, MD, established in June 11, 1910, midnight. As of 2025-12-31, the bank reported total assets of $814M and total deposits of $700M. Profitability stands at 1.83% ROA and 14.56% ROE, with a net interest margin of 4.90%. The bank's CET1 capital ratio is 15.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 1.33%. FDIC Certificate #8811.

Assets

$814M

Deposits

$700M

Loans

$627M

Equity

$102M

Profitability

Return on Assets (ROA) 1.83%
Return on Equity (ROE) 14.56%
Net Interest Margin (NIM) 4.90%
Yield on Assets 5.98%
Cost of Funds 1.14%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.33%
NPA Ratio 0.18%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 15.62%
Tier 1 Capital 15.62%
Total Capital Ratio 16.87%
Leverage Ratio 13.13%
Loan-to-Deposit 89.49%

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