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Hebron Savings Bank
Hebron, MD · FDIC Certificate #8811 · Chartered 06/1
Total assets
$838.80M
Total deposits
$722.99M
Total equity
$107.22M
Net loans
$630.03M
Branches (offices)
14
Net income (YTD)
$6.93M
Rank: #1,206 of 4,213 U.S. banks by assets · #13 of 27 in Maryland. Assets changed 8.0% and deposits 8.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.68% |
| Return on equity | 13.21% |
| Net interest margin (YTD) | 4.73% |
| Equity to assets | 12.78% |
| Tier 1 leverage ratio | 13.35% |
| Uninsured deposits (share of deposits) | 15.3% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | -0.07% |
| Loans to deposits | 87.1% |
| Real estate loans (share of loans) | 94.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $593.13M | 94.1% | |
| Commercial & industrial | $34.87M | 5.5% | |
| Consumer / individual | $6.49M | 1.0% | |
| Construction & development | $42.65M | 6.8% | |
| Agricultural | $2.02M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $820.76M | $737.99M | $3.06M | $64.83M |
| Jun 2023 | $750.97M | $662.21M | $6.59M | $72.86M |
| Jun 2024 | $744.96M | $644.55M | $6.29M | $83.70M |
| Jun 2025 | $776.46M | $668.44M | $6.19M | $96.12M |
| Jun 2026 | $838.80M | $722.99M | $6.93M | $107.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $722.99M | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $722.99M.
Similar-sized banks
Prairie State Bank And Trust ($840.08M) · Freedom Bank ($838.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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