Hebron Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 171.91 percentage points lower than in Q1 2026, at 1591.60%. On return on assets, Hebron Savings Bank ranks 3rd highest among the 27 banks headquartered in Maryland, at 1.63% (Q2 2026). Hebron Savings Bank reported 1.63% on return on assets for Q2 2026, 0.38 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.05% |
| Tier 1 risk-based capital ratio | 16.05% |
| Total risk-based capital ratio | 17.30% |
| Tier 1 leverage ratio | 13.35% |
| Equity capital to assets | 12.78% |
| Tangible equity to tangible assets | 12.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | -0.14% |
| Texas ratio | 0.76% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 1591.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 12.93% |
| Net interest margin | 4.69% |
| Efficiency ratio | 53.17% |
| Yield on earning assets | 5.75% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.32% |
| Core deposits to total deposits | 94.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.19% |
| Securities to assets | 8.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.39% | 14.39% | 15.64% | 11.06% | 1.71% |
| Q4 2023 | 14.37% | 14.37% | 15.62% | 11.58% | 1.73% |
| Q1 2024 | 14.99% | 14.99% | 16.25% | 12.27% | 1.70% |
| Q2 2024 | 14.64% | 14.64% | 15.89% | 12.38% | 1.71% |
| Q3 2024 | 15.61% | 15.61% | 16.86% | 12.43% | 1.64% |
| Q4 2024 | 15.94% | 15.94% | 17.20% | 12.54% | 1.51% |
| Q1 2025 | 16.78% | 16.78% | 18.03% | 13.00% | 1.57% |
| Q2 2025 | 16.99% | 16.99% | 18.24% | 13.17% | 1.64% |
| Q3 2025 | 16.38% | 16.38% | 17.63% | 13.23% | 1.59% |
| Q4 2025 | 15.62% | 15.62% | 16.87% | 13.13% | 1.81% |
| Q1 2026 | 16.11% | 16.11% | 17.36% | 13.44% | 1.70% |
| Q2 2026 | 16.05% | 16.05% | 17.30% | 13.35% | 1.63% |
Hebron Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hebron Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hebron Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8811) · FFIEC NIC profile (RSSD 780722)