Hertford Savings Bank, SSB: 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 Q3 2026 was in Loan-to-deposit ratio: 2.27 percentage points higher than in Q2 2026, at 81.49%. Hertford Savings Bank, SSB has the 3rd lowest return on assets of the 38 banks headquartered in North Carolina, at -0.11% as of Q3 2026. Hertford Savings Bank, SSB's return on assets of -0.11% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 1.09 points (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.47% |
| Equity capital to assets | 10.44% |
| Tangible equity to tangible assets | 10.44% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.37% |
| Allowance for credit losses to loans | 0.88% |
| Reserve coverage of non-performing loans | 421.88% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | -0.11% |
| Return on equity | -1.09% |
| Net interest margin | 3.15% |
| Efficiency ratio | 100.00% |
| Yield on earning assets | 5.60% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 81.49% |
| Core deposits to total deposits | 89.53% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.45% |
| Securities to assets | 7.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 14.16% | -0.31% | 3.41% | 0.07% | 0.00% |
| Q1 2024 | 12.92% | -0.73% | 3.12% | 0.07% | 0.00% |
| Q2 2024 | 12.27% | -0.25% | 2.81% | 0.00% | 0.00% |
| Q3 2024 | 11.97% | -0.70% | 2.59% | 0.00% | 0.00% |
| Q4 2024 | 12.31% | -0.47% | 3.10% | 0.00% | 0.00% |
| Q1 2025 | 12.12% | 0.02% | 2.99% | 0.00% | 0.00% |
| Q2 2025 | 12.28% | 0.07% | 2.81% | 0.00% | 0.27% |
| Q3 2025 | 11.78% | -0.04% | 2.96% | 0.00% | 0.00% |
| Q4 2025 | 11.22% | -0.35% | 2.93% | 0.00% | 0.00% |
| Q1 2026 | 10.78% | -0.29% | 2.91% | 0.00% | 0.00% |
| Q2 2026 | 10.64% | 0.06% | 3.02% | 0.22% | 0.00% |
| Q3 2026 | 10.47% | -0.11% | 3.15% | 0.21% | 0.00% |
Hertford Savings Bank, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hertford Savings Bank, SSB, 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 Hertford Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31345) · FFIEC NIC profile (RSSD 971379)