Bank Comparison
Hebron Savings Bank vs First State Bank of Middlebury
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 7
winning metrics across 16 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Hebron Savings Bank | First State Bank of Middlebury |
|---|---|---|
| CET1 Ratio | 16.05% | 16.45% |
| Tier 1 Capital Ratio | 16.05% | 16.45% |
| Total Capital Ratio | 17.30% | 17.70% |
| Tier 1 Leverage Ratio | 13.35% | 13.37% |
| Equity / Assets | 12.78% | 11.62% |
Profitability
| Metric | Hebron Savings Bank | First State Bank of Middlebury |
|---|---|---|
| Return on Assets (ROA) | 1.63% | 1.60% |
| Return on Equity (ROE) | 12.93% | 14.10% |
| Net Interest Margin (NIM) | 4.69% | 4.21% |
| Yield on Earning Assets | 5.75% | 5.86% |
| Cost of Funds | 1.18% | 1.78% |
Asset quality
| Metric | Hebron Savings Bank | First State Bank of Middlebury |
|---|---|---|
| Texas Ratio | 0.76% | 9.62% |
| Non-Performing Loan Ratio | 0.08% | 1.52% |
| Non-Performing Asset Ratio | 0.10% | 1.20% |
| Net Charge-Off Ratio | -0.14% | -0.01% |
| ACL / Loans | 1.34% | 1.65% |
Balance sheet
| Metric | Hebron Savings Bank | First State Bank of Middlebury |
|---|---|---|
| Total Assets | $838.8M | $836.2M |
| Total Deposits | $723.0M | $651.3M |
| Total Loans | $638.6M | $658.9M |
| Total Equity | $107.2M | $97.1M |
| Net Income (quarter) | $3.4M | $3.4M |
Liquidity & funding
| Metric | Hebron Savings Bank | First State Bank of Middlebury |
|---|---|---|
| Loan-to-Deposit Ratio | 88.32% | 101.16% |
| Core Deposit Ratio | 94.37% | 91.53% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hebron Savings Bank | First State Bank of Middlebury |
|---|---|---|
| Headquarters City | Hebron | Middlebury |
| Headquarters State | MD | IN |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 14 | 6 |
| Employees (FTE) | 135 | 110 |
| Established | June 11, 1910 | January 1, 1910 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Hebron Savings Bank profile | View full First State Bank of Middlebury profile | Browse all bank comparisons