Hebron Savings Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Total interest expense rose 6.2% from Q1 2026 to Q2 2026, ending at $2.1M against $2.0M. It was the largest change among the key lines on this page. On net interest margin, Hebron Savings Bank ranks 3rd highest among the 27 banks headquartered in Maryland, at 4.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Hebron Savings Bank sits 0.74 points higher, at 4.69% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.44% |
| Yield on securities | 2.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 2.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.69% |
| Yield to cost spread | 3.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.1M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.22% | 0.50% | 4.76% | 5.89% | 2.82% |
| Q4 2023 | 5.39% | 0.62% | 4.82% | 6.04% | 2.84% |
| Q1 2024 | 5.38% | 0.68% | 4.75% | 6.06% | 2.69% |
| Q2 2024 | 5.53% | 0.89% | 4.71% | 6.14% | 2.61% |
| Q3 2024 | 5.64% | 1.09% | 4.65% | 6.29% | 2.60% |
| Q4 2024 | 5.63% | 1.19% | 4.56% | 6.25% | 2.41% |
| Q1 2025 | 5.44% | 1.14% | 4.40% | 6.11% | 2.38% |
| Q2 2025 | 5.66% | 1.11% | 4.64% | 6.31% | 2.40% |
| Q3 2025 | 5.66% | 1.14% | 4.63% | 6.41% | 2.40% |
| Q4 2025 | 5.72% | 1.14% | 4.69% | 6.37% | 2.41% |
| Q1 2026 | 5.60% | 1.13% | 4.57% | 6.27% | 2.44% |
| Q2 2026 | 5.75% | 1.18% | 4.69% | 6.44% | 2.42% |
Hebron Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hebron Savings Bank, freeSource: Call Report Schedules RI and RC-K, 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)