Hebron Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hebron Savings Bank of Hebron, MD against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.63% | 1.34% | +0.29% | 70th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.93% | 13.31% | -0.38% | 53rd above |
| Net Interest Margin | 4.69% | 3.93% | +0.76% | 86th top |
| Efficiency Ratio | 53.17% | 61.15% | -7.98% | 74th above |
| PPNR / Avg Assets | 2.27% | 1.68% | +0.59% | 83rd top |
| Yield on Earning Assets | 5.75% | 5.67% | +0.08% | 57th above |
| Cost of Funds | 1.18% | 1.88% | -0.70% | 85th top |
| Net Interest Spread | 3.77% | 3.32% | +0.45% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.94% | -0.86% | 75th top |
| NPA / Total Assets | 0.10% | 0.70% | -0.60% | 69th above |
| NCO / Avg Loans | -0.14% | 0.16% | -0.30% | 98th top |
| ACL / Total Loans | 1.34% | 1.28% | +0.06% | 66th above |
| ACL / NPLs (Coverage) | 1591.60% | 1538.63% | +52.97% | — |
| Texas Ratio | 0.76% | 7.34% | -6.58% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.05% | 19.51% | -3.46% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.05% | 19.54% | -3.49% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.30% | 20.63% | -3.33% | 59th above |
| Leverage Ratio | 13.35% | 12.14% | +1.21% | 77th top |
| Equity / Assets | 12.78% | 11.37% | +1.41% | 77th top |
| TCE / Tangible Assets | 12.78% | 11.09% | +1.69% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.32% | 80.63% | +7.69% | 32nd below |
| Core Deposit Ratio | 94.37% | 86.85% | +7.52% | 81st top |
| Wholesale Funding Ratio | 0.49% | 5.04% | -4.55% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.03% | 6.85% | +1.18% | 75th top |
| Loan Growth (Y/Y) | 13.57% | 7.90% | +5.67% | 84th top |
| Deposit Growth (Y/Y) | 8.16% | 6.29% | +1.87% | 77th top |
See Hebron Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hebron Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hebron Savings Bank profile, how to read a UBPR, or how this data updates.