Hebron Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Hebron Savings Bank is an FDIC-insured commercial bank headquartered in Hebron, MD, established in 1910 (FDIC certificate 8811), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $838.8M, up 8.0% from Q2 2025, the 13th largest of 27 banks headquartered in Maryland. Its CET1 capital ratio was 16.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8811
- Headquarters
- Hebron, MD
- Established
- 1910
- Total assets, Q2 2026
- $838.8M
- Assets vs Q2 2025
- +8.0%
- CET1 ratio, Q2 2026
- 16.05%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 052101669
- Latest call report
- Q2 2026, FFIEC 041 · Hebron Savings Bank call report
- Holding company
- HSB BANCORP, INC.
- Asset rank in state
- 13th of 27 in Maryland
Hebron Savings Bank earns an unusually wide margin on its lending. The Hebron, Maryland bank had $839 million in assets at June 30, 2026, up 8.0% from a year earlier. It keeps 4.69 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 1.18% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Loans are outrunning deposits: over the year loans rose 13.6% and deposits rose 8.2%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Hebron Savings Bank reported a CET1 capital ratio of 16.05%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.76%. The figures come from its call report filed with the FFIEC.
Of the 27 banks headquartered in Maryland, Hebron Savings Bank is the 13th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.1% to $838.8M, loans rose 3.2% and deposits rose 2.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 31.4% of total loans, ahead of 1-4 family residential loans at 26.5%. Its 14 offices in the FDIC Summary of Deposits are in 10 cities in MD; its Salisbury 4 offices book 34% of its branch deposits. Judged on its Q2 2026 call report, Hebron Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 N Main St, Hebron, MD 21830
- County
- Wicomico
- Metro Area
- Salisbury, MD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 11, 1910
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 135
- Domestic deposits
- $723.0M
- Allowance for credit losses
- $8.5M
- Net charge-offs (YTD)
- -$212K
- Average total assets
- $842.2M
- Average total loans
- $630.5M
- Average interest-bearing deposits
- $423.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8811
- Fed RSSD
- 780722
- Website
- www.hebronsavingsbank.com →
- Parent Holding Company
- HSB BANCORP, INC. (RSSD 2876544)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Hebron Savings Bank's total assets ran between $721.1M (Q1 2024) and $838.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$838.8M total assets against $776.5M; $731.6M total liabilities against $680.3M.
$630.0M net loans and leases against $554.0M; $723.0M total deposits against $668.4M.
$75.4M securities against $83.4M; $90.0M cash and balances due against $97.7M.
$11.5M total interest income against $10.4M; $2.1M total interest expense against $1.9M.
$9.4M net interest income against $8.5M.
$865K total noninterest income against $866K; $5.5M total noninterest expense against $5.0M.
$99K provision for credit losses against $29K.
$3.4M net income against $3.2M.
1.63% return on assets against 1.64%; 4.69% net interest margin against 4.64%.
16.05% CET1 capital ratio against 16.99%; 13.35% tier 1 leverage ratio against 13.17%.
Inside the full Hebron Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Hebron Savings Bank rankings
Its closest position to the top of a national ranking is 1,198 of 4,196, for total assets; its furthest is 2,821 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.51% (Q4 2024) to 1.81% (Q4 2025) and its net interest margin ran from 4.40% (Q1 2025) to 4.69% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.05% | 1.63% | 0.08% | 0.76% | 4.69% |
| Q1 2026 | 16.11% | 1.70% | 0.08% | 0.77% | 4.57% |
| Q4 2025 | 15.62% | 1.81% | 0.17% | 1.33% | 4.69% |
| Q3 2025 | 16.38% | 1.59% | 0.21% | 1.52% | 4.63% |
| Q2 2025 | 16.99% | 1.64% | 0.13% | 0.73% | 4.64% |
| Q1 2025 | 16.78% | 1.57% | 0.19% | 1.03% | 4.40% |
| Q4 2024 | 15.94% | 1.51% | 0.17% | 1.03% | 4.56% |
| Q3 2024 | 15.61% | 1.64% | 0.20% | 1.16% | 4.65% |
Swipe the table sideways to see every column.
Branch Network
View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Carroll Street Branch | Salisbury , MD | 21804 | $96.6M |
| Mt Hermon Branch | Salisbury , MD | 21804 | $81.0M |
| Cambridge Branch | Cambridge , MD | 21613 | $76.1M |
| Cambridge Rt 50 Branch | Cambridge , MD | 21613 | $71.8M |
| Hebron Savings Bank (main office) | Hebron , MD | 21830 | $69.7M |
| Princess Anne Branch | Princess Anne , MD | 21853 | $67.6M |
| Fruitland Branch | Fruitland , MD | 21826 | $60.7M |
| Crisfield Branch | Crisfield , MD | 21817 | $57.7M |
| Quantico Square Branch | Salisbury , MD | 21801 | $39.6M |
| Vienna Branch | Vienna , MD | 21869 | $32.1M |
| North Salisbury Branch | Salisbury , MD | 21801 | $27.2M |
| Sharptown Branch | Sharptown , MD | 21861 | $26.9M |
| Hebron Svings Bank - Pocomoke Office Branch | Pocomoke City , MD | 21851 | $9.5M |
| Berlin Branch | Berlin , MD | 21811 | $6.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 17, 1994 | Structure Change | Acquired Second National Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MD, rank 26 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 78 applications, 47 loans originated, $13.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $270K approved, $135K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Hebron Savings Bank
What are Hebron Savings Bank's total assets?
As of the Q2 2026 filing, Hebron Savings Bank reported total assets of $838.8 million in its FFIEC call report.
Where is Hebron Savings Bank headquartered?
It is headquartered in Hebron, MD, United States.
When was Hebron Savings Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Hebron Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8811). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hebron Savings Bank?
Hebron Savings Bank's primary federal regulator is the FDIC.
What is Hebron Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hebron Savings Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hebron Savings Bank's Texas Ratio?
Its Texas Ratio is 0.76% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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