Bank Comparison
Bayvanguard Bank vs Hebron Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bayvanguard Bank | Hebron Savings Bank |
|---|---|---|
| CET1 Ratio | 21.27% | 16.11% |
| Tier 1 Capital Ratio | 21.27% | 16.11% |
| Total Capital Ratio | 22.20% | 17.36% |
| Tier 1 Leverage Ratio | 16.81% | 13.44% |
| Equity / Assets | 17.96% | 12.79% |
Profitability
| Metric | Bayvanguard Bank | Hebron Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.46% | 1.70% |
| Return on Equity (ROE) | 2.58% | 13.47% |
| Net Interest Margin (NIM) | 4.21% | 4.57% |
| Yield on Earning Assets | 5.67% | 5.60% |
| Cost of Funds | 1.71% | 1.13% |
Asset quality
| Metric | Bayvanguard Bank | Hebron Savings Bank |
|---|---|---|
| Texas Ratio | 2.42% | 0.77% |
| Non-Performing Loan Ratio | 0.52% | 0.08% |
| Non-Performing Asset Ratio | 0.43% | 0.11% |
| Net Charge-Off Ratio | -0.01% | 0.01% |
| ACL / Loans | 0.87% | 1.33% |
Balance sheet
| Metric | Bayvanguard Bank | Hebron Savings Bank |
|---|---|---|
| Total Assets | $901,609K | $821,929K |
| Total Deposits | $686,638K | $706,700K |
| Total Loans | $735,366K | $618,645K |
| Total Equity | $161,893K | $105,161K |
| Net Income (quarter) | $1,039K | $3,494K |
Liquidity & funding
| Metric | Bayvanguard Bank | Hebron Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 107.10% | 87.54% |
| Core Deposit Ratio | 96.24% | 94.89% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bayvanguard Bank | Hebron Savings Bank |
|---|---|---|
| Headquarters City | SPARROWS POINT | HEBRON |
| Headquarters State | MD | MD |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 12 | 13 |
| Employees (FTE) | 103 | 135 |
| Established | Sept. 1, 1873, midnight | June 11, 1910, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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