Hertford Savings Bank, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hertford Savings Bank, SSB of Hertford, NC against its peer group of 536 similarly-sized US banks as of Q3 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 | -0.11% | 0.82% | -0.93% | 3rd bottom |
| ROAE | -1.09% | 4.81% | -5.90% | 3rd bottom |
| Net Interest Margin | 3.15% | 3.95% | -0.80% | 11th bottom |
| Efficiency Ratio | 100.00% | 75.77% | +24.23% | 3rd bottom |
| PPNR / Avg Assets | 0.00% | — | — | 3rd bottom |
| Yield on Earning Assets | 5.60% | 5.44% | +0.16% | 78th top |
| Cost of Funds | 2.28% | 1.71% | +0.57% | 9th bottom |
| Net Interest Spread | 2.87% | — | — | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.21% | 1.40% | -1.19% | 31st below |
| NPA / Total Assets | 0.15% | — | — | 31st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.11% | -0.11% | 47th below |
| ACL / Total Loans | 0.88% | — | — | 28th below |
| ACL / NPLs (Coverage) | 421.88% | — | — | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 1.37% | 8.94% | -7.57% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.47% | 14.21% | -3.74% | 25th below |
| Equity / Assets | 10.44% | 13.16% | -2.72% | 34th below |
| TCE / Tangible Assets | 10.44% | — | — | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.49% | 69.13% | +12.36% | 28th below |
| Core Deposit Ratio | 89.53% | 88.78% | +0.75% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.81% | — | — | 84th top |
| Loan Growth (Y/Y) | 14.55% | — | — | 100th top |
| Deposit Growth (Y/Y) | 11.44% | — | — | 88th top |
See Hertford Savings Bank, SSB's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hertford Savings Bank, SSB, 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 Hertford Savings Bank, SSB profile, how to read a UBPR, or how this data updates.