Bank Comparison
Hebron Savings Bank vs Farmers and Merchants Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 5
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Hebron Savings Bank | Farmers and Merchants Bank |
|---|---|---|
| CET1 Ratio | 16.11% | 11.98% |
| Tier 1 Capital Ratio | 16.11% | 11.98% |
| Total Capital Ratio | 17.36% | 12.64% |
| Tier 1 Leverage Ratio | 13.44% | 9.73% |
| Equity / Assets | 12.79% | 8.96% |
Profitability
| Metric | Hebron Savings Bank | Farmers and Merchants Bank |
|---|---|---|
| Return on Assets (ROA) | 1.70% | 0.95% |
| Return on Equity (ROE) | 13.47% | 10.73% |
| Net Interest Margin (NIM) | 4.57% | 3.39% |
| Yield on Earning Assets | 5.60% | 5.36% |
| Cost of Funds | 1.13% | 2.10% |
Asset quality
| Metric | Hebron Savings Bank | Farmers and Merchants Bank |
|---|---|---|
| Texas Ratio | 0.77% | 2.34% |
| Non-Performing Loan Ratio | 0.08% | 0.00% |
| Non-Performing Asset Ratio | 0.11% | 0.19% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.33% | 0.70% |
Balance sheet
| Metric | Hebron Savings Bank | Farmers and Merchants Bank |
|---|---|---|
| Total Assets | $821,929K | $863,204K |
| Total Deposits | $706,700K | $712,355K |
| Total Loans | $618,645K | $633,100K |
| Total Equity | $105,161K | $77,361K |
| Net Income (quarter) | $3,494K | $2,054K |
Liquidity & funding
| Metric | Hebron Savings Bank | Farmers and Merchants Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 87.54% | 88.87% |
| Core Deposit Ratio | 94.89% | 91.75% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hebron Savings Bank | Farmers and Merchants Bank |
|---|---|---|
| Headquarters City | HEBRON | UPPERCO |
| Headquarters State | MD | MD |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 13 | 9 |
| Employees (FTE) | 135 | 89 |
| Established | June 11, 1910, midnight | Jan. 1, 1919, 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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