BlastPoint's Banking Scorecard
Hebron Savings Bank
Community
Specialty: Commercial
MD
FDIC cert 8811
Hebron, MD
1484
banks in Community tier nationally
13 in MD
View Community leaderboard (MD) →
Hebron Savings Bank shows strong momentum with 1 strength and 7.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 14% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$813.7M
+7.7% YoY
+2.7% QoQ
|
-$577.7M |
$1.4B
+2.0% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$618.2M
+8.6% YoY
+7.3% QoQ
|
-$357.2M |
$975.5M
+2.4% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$700.4M
+7.2% YoY
+3.0% QoQ
|
-$464.2M |
$1.2B
+1.7% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
1.67%
-0.1% YoY
+3.5% QoQ
|
+0.50% |
1.16%
+17.2% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
4.69%
-2.6% YoY
+0.9% QoQ
|
+1.02% |
3.66%
+9.1% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
54.41%
+2.0% YoY
-2.1% QoQ
|
-8.22% |
62.63%
-5.3% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.17%
-2.1% YoY
-19.4% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
88.27%
+1.3% YoY
+4.2% QoQ
|
+5.21% |
83.06%
+0.3% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
41.60%
+6.5% YoY
+0.9% QoQ
|
+20.56% |
21.05%
-0.9% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.18%
+36.0% YoY
-12.6% QoQ
|
-0.32% |
0.50%
+20.3% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
15.62%
-2.0% YoY
-4.7% QoQ
|
+5.37% |
10.24%
-0.6% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.43%
-6.3% YoY
+34.2% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#22 of 150 · Top 14% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
41.60%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.69%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
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
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.60% · Tier avg: 21.05%
91
91th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.66%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.62% · Tier avg: 10.24%
74
74th pctile
Efficiency Ratio
Current: 54.41% · Tier avg: 62.63%
73
73th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
43
43th pctile
Total Loans
Current: $618.2M · Tier avg: $975.5M
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.27% · Tier avg: 83.06%
38
38th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
38
38th pctile
Total Deposits
Current: $700.4M · Tier avg: $1.2B
36
36th pctile
Total Assets
Current: $813.7M · Tier avg: $1.4B
Top Weaknesses
36
36th pctile
Total Assets
Current: $813.7M · Tier avg: $1.4B
38
38th pctile
Total Deposits
Current: $700.4M · Tier avg: $1.2B
38
38th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.27% · Tier avg: 83.06%
43
43th pctile
Total Loans
Current: $618.2M · Tier avg: $975.5M
68
68th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
73
73th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
74
74th pctile
Efficiency Ratio
Current: 54.41% · Tier avg: 62.63%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.62% · Tier avg: 10.24%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
91
91th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.66%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.60% · Tier avg: 21.05%