Hebron Savings Bank: how it compares with its peers
Against 12 MD banks with half to twice its assets, Hebron Savings Bank's strongest measure in Q2 2026 is return on assets (1.68% vs. a 0.99% peer median). Its weakest relative measure is assets per employee ($6.2M vs. $8.3M).
| Measure | Hebron Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.68% | 0.99% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.73% | 3.66% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.61% | 62.76% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $8.3M | Bottom third Ahead of 8% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.14% | 85.40% | Context |
What it means for lending operations
Its efficiency ratio of 53.61% is better than the 62.76% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- BayVanguard Bank Baltimore, MD · $869M
- Farmers and Merchants Bank Upperco, MD · $874M
- Harford Bank Aberdeen, MD · $777M
- The Queenstown Bank of Maryland Queenstown, MD · $730M
- Bank of Ocean City Ocean City, MD · $695M
- Presidential Bank, FSB Bethesda, MD · $1.01B
Questions about Hebron Savings Bank
How big is Hebron Savings Bank?
Hebron Savings Bank, established in 1910, is headquartered in Hebron, MD. It reported $839M in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Hebron Savings Bank's return on assets?
1.68% annualized in Q2 2026, against a 0.99% median for 12 MD banks with half to twice its assets, ahead of 100% of them.
What is Hebron Savings Bank's efficiency ratio?
53.61% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 62.76%, and lower is better.
Is Hebron Savings Bank growing its loans?
Net loans grew 13.7% over the year to Q2 2026, while deposits grew 8.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Maryland bank ranked.