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Hertford Savings Bank, SSB
Hertford, NC · FDIC Certificate #31345 · Chartered 01/0
Total assets
$20.68M
Total deposits
$18.48M
Total equity
$2.20M
Net loans
$14.51M
Branches (offices)
1
Net income (YTD)
-$12.00K
Rank: #4,184 of 4,213 U.S. banks by assets · #37 of 38 in North Carolina. Assets changed 12.0% and deposits 13.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.12% |
| Return on equity | -1.09% |
| Net interest margin (YTD) | 2.88% |
| Equity to assets | 10.63% |
| Tier 1 leverage ratio | 10.64% |
| Uninsured deposits (share of deposits) | 4.2% |
| Noncurrent loans (share of loans) | 0.22% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 78.5% |
| Real estate loans (share of loans) | 99.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $14.39M | 99.2% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $249.00K | 1.7% | |
| Construction & development | $2.43M | 16.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $16.01M | $13.76M | $40.00K | $2.23M |
| Jun 2023 | $15.99M | $13.62M | $42.00K | $2.34M |
| Jun 2024 | $17.77M | $15.48M | -$43.00K | $2.27M |
| Jun 2025 | $18.47M | $16.23M | $4.00K | $2.23M |
| Jun 2026 | $20.68M | $18.48M | -$12.00K | $2.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $18.48M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $18.48M.
Similar-sized banks
National Advisors Trust Company ($21.59M) · Columbia Savings And Loan Association ($20.56M)
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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