# HEBRON SAVINGS BANK
HEBRON, MD · FDIC certificate 8811 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $838.8M | |
| Deposits | $723.0M | |
| Loans and leases | $638.6M | |
| Total equity | $107.2M | |
| Loans / deposits | 87.14% (p65 of band) | 82.04% |
| Liquid assets / assets | 19.73% (p31 of band) | |
| Uninsured deposits / deposits | 15.34% (p14 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.49% (p30 of band) | |
| FHLB advances / assets | 0.49% | |
| Tier 1 leverage | 13.35% (p81 of band) | 10.81% |
| Unrealized securities loss / equity | -11.75% (p39 of band) | -8.10% |
| AOCI / equity | -0.43% (p45 of band) | |
| ROA (annualized) | 1.68% (p74 of band) | 1.28% |
| Net interest margin | 4.73% (p88 of band) | 3.91% |
| Efficiency ratio | 53.61% (p26 of band) | |
| Noncurrent loans | 0.08% (p22 of band) | 0.43% |
| Net charge-offs (annualized) | -0.05% (p2 of band) | |
| Reserve coverage of noncurrent | 1591.60% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 39.78% (p47 of band) | |
| Auto loans | $401,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 135 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, liquid assets <10%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | liquid assets <10% |
| 2011-09 | 4 | liquid assets <10% |  |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 4 | charge-offs p90 | liquid assets <10%, capital falling |
| 2012-06 | 3 |  | loans exceed deposits |
| 2012-09 | 2 |  | charge-offs p90 |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 3 | loans exceed deposits |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | charge-offs p90 |
| 2014-06 | 3 | charge-offs p90 |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 | reserve under noncurrent | construction >100% equity |
| 2015-03 | 3 | noncurrent p90 | charge-offs p90 |
| 2015-06 | 4 | charge-offs p90 |  |
| 2015-09 | 3 |  | loans exceed deposits |
| 2015-12 | 4 | capital falling |  |
| 2016-03 | 3 |  | capital falling |
| 2016-06 | 2 |  | charge-offs p90 |
| 2016-09 | 3 | charge-offs p90 |  |
| 2016-12 | 4 | loans exceed deposits |  |
| 2017-03 | 3 |  | loans exceed deposits |
| 2017-06 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 6 | construction >100% equity |  |
| 2018-03 | 5 |  | construction >100% equity |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 4 |  | noncurrent p90 |
| 2019-09 | 3 | noncurrent p90 | loans exceed deposits, liquid assets <10% |
| 2019-12 | 2 |  | charge-offs p90 |
| 2020-03 | 1 |  | noncurrent p90 |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 2 | construction >100% equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90, construction >100% equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-27 [Hebron Savings Bank seeks public feedback on Community Mural Initiative - Bay to Bay News](https://news.google.com/rss/articles/CBMiswFBVV95cUxNYkdEN1VaUUhHUmZ4SXpkYldtU3FEYXlQOGk3a0tLaml3eE5iQVBKeVVGWTRaV2xoVFJwWEczVUZzS042ai10dmlKZ09JQlRPMzNXRUJLT25PSmRrOWM3Z0loZkMtekVBbnZiS1AzT3lXRXVIR1JFM0M0RXMyLWtObFNTcDhyX2J1QWozaHZfNjBzdHlwUVV3WktGZzhvamI5RkZ5OHVJMk56am0wUUx5YXcwbw?oc=5) · Bay to Bay News
- 2026-07-19 [Hebron Savings Bank announces 2026 Emerging Business Leaders Scholarship recipients - The Star Democrat](https://news.google.com/rss/articles/CBMigwJBVV95cUxQdk1EQkhSOWJlTDdKYmhTcDdRRGpCS1prdTViS0JfZ2hWSURRRGdjb29VWmozMHJsU2p0OFdjeHlFY0VYUkdtZjdsRzB3TkhKTXBhMXMtYjA2b1lrcU5zT0pTbWRjWW82RVh2cGZaMlRObzdFWG5nd1BKZFVyQ1JuaGtYMklVaUxCbEhHaHd3SERRSUhxN1F3ZGFlanFqT2hGSkVtbGNfd0N6X2E2bTdGV2poeGFscThkbC1fRTI3UmdlV2dmbjc3aTF3UmVWTEhjbVdfMEdMc245YjVyM0x2Z3d2OFN5djcwZldJR0xuNjBsaF9NS0M0anh3Y2RRdFJTLWRv?oc=5) · The Star Democrat
- 2026-04-14 [Hebron Savings Bank Launches New Scholarship for Eastern Shore Students - WMDT](https://news.google.com/rss/articles/CBMiowFBVV95cUxNSG9Sd1JyNHhmVnFXMjZ5RmlXRHdoakNjcGs2VmtPdkdYNi12YXA0Mi1nbzRhX0E0a29IUlFuRGhkNWpYWE5YN0VSNTBFbjlUNFFwOVNNcmEtZ3piSDdOZGlLeTZpZm80bHg2VjN0YVRBaUxyaEtWTi1teTExd0Rfd29uRENKcFhRMUpPbzRGbnlndkJ2YUdlOFFwUmUxWHdzZ0Ew?oc=5) · WMDT
- 2020-01-31 [Bank robbery under police investigation in Salisbury - DelmarvaNow.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxNcThxaUdtSnNGX1FXemJxOVNBV2xkNVg4RXotXy04YUwwejdDTi1WUXpXWmYtdGxZZlRKZ19uYjVibmQ3RWV5YWY5bG1fOENEY25JS0Zva0p3ZTg3UVp5cDhtZU81eTh2clBnWHJtanJDN1ZUT1pQMFZfeDNqRzA5NklFcFMwYjZVeFlfSnZQQzQ4WERTZ2RXUl9qb0w2amJjb2lEX19EXzNlbU1vcDgzcUF2ODJqVlFOLTJ4d0pxUmZUSWY3?oc=5) · DelmarvaNow.com
- 2021-01-15 [Former Hebron Savings Bank board member pleads guilty to federal crime - DelmarvaNow.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNWHFWRXdmWWdTVDFXQkV6Y1pVMFdwUDI3eVo3eDdvZ3MzUExfTVpNSFg1eXJzc2JRSC1ic0Z1cWJtUC1DbUdmRGw3M3liSHg1cHM2YVpMa0NLQWV3VE84a3lzRTh6WDRRUWZYRHZiZU05ZWJoVzYwQTRnNHA5X2RKZEt6elkyZXJFR0FfV0FGbTRlVXUxRWViNUNIRGNJSU5BVFdrRXgzVVk5Zkw0MThpVWRVN29tZ2MyY203LWhXTXI5TW5LNVZFNjA3NDdUVnIxV2JmSHI3cXB2cUtH?oc=5) · DelmarvaNow.com
- 2021-09-28 [James Nutter Obituary (2020) - Hebron, MD - The Daily Times - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNU1JRMXE1V1JEQlQ5UWd4VUtQQzNjSVJla0lHaDRuRTlnMXVmUVhYM2NDczRXRGc3SUFET0pDSHdPX2IzSjRqWjNTTE1lUFk5aW14cDlNbUdlN1ZRQ0k0X2xaeFFLSzRnclpZb0prZzhmTklVd0N0emtQUUpmTHVoOW0wVnBTRVN6M0N3MTFiWQ?oc=5) · legacy.com
- 2019-09-29 [Marcus Whitelock Obituary - Salisbury, MD - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxNMW5PaXpHQ1VPWVRxbXd1Nm9IOXlIekJjeHJyVE1sSnRVYUZqczhfQmV5Q0ZOMm1lZVdSZ3ptRk01YjJpQ0xkSlJEd2NpRVpIT01qMWVwVXRRZHhKbFRXNF93VGFTVDAzOFM3a19xaXoxaHBmLUpzU25VNnZDRUFvOW1BemQ0OWM?oc=5) · Dignity Memorial
- 2026-05-11 [Hebron Savings Bank teaches Eastern Shore kids to save - DelmarvaNow.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxOejVMMldBRk9CVS1sVUhfYWVIVzZFV1VGS0VKWmxpeHBuTlNPSllBYUNNbG9jYm1Mdk5WXzFhLXV0blpJNXdLVVVQWlJoSFdLTS1BbHltYVY5WG91ZUhGUFZZaVFqOW1CUUVyQXhQUzJGS2JxZWJORU1wNVNPLXdCT0x6MURsdXgyME1TOGhiaFZvQWRFZXI5TW5TV0ZhNGtEOGsyNG5KMmIwQTN1cHM3MlVuLVNtbWd2elh6Tmp1RWVDWFE1M3NqckRmRQ?oc=5) · DelmarvaNow.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8811 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "8811", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide