BlastPoint's Banking Scorecard
Hertford Savings Bank, SSB
Micro
Specialty: Mortgage
NC
FDIC cert 31345
Designations: ✓ Community bank ✓ Mutual
Hertford, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
Hertford Savings Bank, SSB faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.17% below tier
- - Efficiency Ratio 36.13% above tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$19.4M
+12.3% YoY
+1.6% QoQ
|
-$198.1M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$13.4M
+1.1% YoY
+1.1% QoQ
|
-$125.8M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$17.2M
+14.1% YoY
+2.0% QoQ
|
-$166.5M |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
-0.08%
+85.0% YoY
-654.6% QoQ
|
-1.17% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.93%
-1.1% YoY
+0.0% QoQ
|
-0.92% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
103.86%
-8.8% YoY
+2.5% QoQ
|
+36.13% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? | 0.25% | -0.39% |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
77.80%
-11.4% YoY
-0.9% QoQ
|
+3.28% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
9.10%
+18.8% YoY
+2.5% QoQ
|
-13.30% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? | 0.17% | -0.28% |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.03%
+189.0% YoY
-1.6% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.08%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
103.86%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
59
59th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Loan-to-Deposit Ratio
Current: 77.80% · Tier avg: 74.53%
14
14th pctile
Net Interest Margin
Current: 2.93% · Tier avg: 3.85%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.10% · Tier avg: 22.39%
6
6th pctile
Return on Assets
Current: -0.08% · Tier avg: 1.08%
4
4th pctile
Total Loans
Current: $13.4M · Tier avg: $139.2M
4
4th pctile
Efficiency Ratio
Current: 103.86% · Tier avg: 67.73%
2
2th pctile
Total Deposits
Current: $17.2M · Tier avg: $183.7M
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
1
1th pctile
Total Assets
Current: $19.4M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $19.4M · Tier avg: $217.5M
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
2
2th pctile
Total Deposits
Current: $17.2M · Tier avg: $183.7M
4
4th pctile
Efficiency Ratio
Current: 103.86% · Tier avg: 67.73%
4
4th pctile
Total Loans
Current: $13.4M · Tier avg: $139.2M
6
6th pctile
Return on Assets
Current: -0.08% · Tier avg: 1.08%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.10% · Tier avg: 22.39%
14
14th pctile
Net Interest Margin
Current: 2.93% · Tier avg: 3.85%
47
47th pctile
Loan-to-Deposit Ratio
Current: 77.80% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%