Headquartered in Hebron, Maryland, Hebron Savings Bank is a state-chartered bank with $838.8M in total assets and $723.0M in deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1910.
Based on its Q2 2026 filing, Hebron Savings Bank scores 88/100, which we describe as very strong. That is higher than 92% of 2,650 banks with $100 million – $1 billion. Among 27 banks headquartered in Maryland, it ranks 1st. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is funding & liquidity (73/100; 87% loans-to-deposits, 15% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 88).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 84 |
| Q4 2024 | 84 |
| Q1 2025 | 85 |
| Q2 2025 | 87 |
| Q3 2025 | 86 |
| Q4 2025 | 86 |
| Q1 2026 | 88 |
| Q2 2026 | 88 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.38% |
| Q3 2024 | 12.43% |
| Q4 2024 | 12.54% |
| Q1 2025 | 13.00% |
| Q2 2025 | 13.17% |
| Q3 2025 | 13.23% |
| Q4 2025 | 13.13% |
| Q1 2026 | 13.44% |
| Q2 2026 | 13.35% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.19% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.21% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.08% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.72% |
| Q3 2024 | 1.71% |
| Q4 2024 | 1.67% |
| Q1 2025 | 1.58% |
| Q2 2025 | 1.61% |
| Q3 2025 | 1.61% |
| Q4 2025 | 1.67% |
| Q1 2026 | 1.71% |
| Q2 2026 | 1.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $838.8M | 13.35% | 0.08% | 1.68% | 87.1% |
| Q1 2026 | 88 | $821.9M | 13.44% | 0.08% | 1.71% | 86.4% |
| Q4 2025 | 86 | $813.7M | 13.13% | 0.17% | 1.67% | 88.3% |
| Q3 2025 | 86 | $792.1M | 13.23% | 0.21% | 1.61% | 84.7% |
| Q2 2025 | 87 | $776.5M | 13.17% | 0.13% | 1.61% | 82.9% |
| Q1 2025 | 85 | $772.0M | 13.00% | 0.19% | 1.58% | 83.2% |
| Q4 2024 | 84 | $755.8M | 12.54% | 0.17% | 1.67% | 87.1% |
| Q3 2024 | 84 | $753.3M | 12.43% | 0.20% | 1.71% | 87.6% |
| Q2 2024 | 84 | $745.0M | 12.38% | 0.16% | 1.72% | 89.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Maryland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BayVanguard BankBank Baltimore, MD | 80 out of 100, Strong | $868.7M | 17.1% | 0.48% | vs |
| Farmers and Merchants BankBank Upperco, MD | 72 out of 100, Strong | $874.5M | 10.0% | 0.00% | vs |
| Harford BankBank Aberdeen, MD | 62 out of 100, Moderate | $776.6M | 9.9% | 0.91% | vs |
| The Queenstown Bank of MarylandBank Queenstown, MD | 77 out of 100, Strong | $729.5M | 11.6% | 0.12% | vs |
| Bank of Ocean CityBank Ocean City, MD | 75 out of 100, Strong | $695.0M | 11.7% | 0.59% | vs |
| The Farmers Bank of WillardsBank Willards, MD | 76 out of 100, Strong | $547.6M | 12.1% | 0.70% | vs |
Deposit insurance
Is my money safe at Hebron Savings Bank?
Yes. Hebron Savings Bank is an FDIC-insured institution (FDIC certificate #8811). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.3% of deposits ($110.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.35%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.30% (benchmark: 10%).
14 locations
Branches
Hebron Savings Bank lists 14 offices in 10 cities. Most locations:
- Salisbury, MD (4)
- Cambridge, MD (2)
- Berlin, MD (1)
- Crisfield, MD (1)
- Fruitland, MD (1)
- Hebron, MD (1)
- Pocomoke City, MD (1)
- Princess Anne, MD (1)
- Sharptown, MD (1)
- Vienna, MD (1)
HMDA 2025
Mortgage lending
In 2025, Hebron Savings Bank reported 73 home-loan applications under HMDA (LEI 549300RPUEZ5IC514S19): 47 originated ($13,945,000 total), 9 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Hebron Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8811
- RSSD ID
- 780722
- Primary regulator
- FDIC
- Holding company
- Hsb Bcorp Inc
- Established
- June 11, 1910
- Headquarters
- 101 N Main St, Hebron, MD 21830
- Website
- www.hebronsavingsbank.com
- Employees
- 135
Quick answers
Hebron Savings Bank: common questions
Is Hebron Savings Bank FDIC insured?
Yes. Hebron Savings Bank is an FDIC-insured institution (FDIC certificate #8811). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Hebron Savings Bank's TellerScore?
88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Hebron Savings Bank ever failed?
There is no failure record for FDIC certificate #8811 in the FDIC failed bank list.
How many branches does Hebron Savings Bank have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hebron
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| County BankBank Rehoboth Beach, DE | 93 out of 100, Very strong | $696.4M | 15.4% | 0.30% | vs |
| 1897 Federal Credit UnionCredit union Salisbury, MD | 84 out of 100, Strong | $3.6M | 29.5% | 0.00% | vs |
| Tidemark Federal Credit UnionCredit union Seaford, DE | 83 out of 100, Strong | $468.5M | 14.4% | 0.33% | vs |
| Calvin B. Taylor Banking Company of Berlin, MarylandBank Berlin, MD | 81 out of 100, Strong | $1.0B | 13.6% | 0.83% | vs |
| BayVanguard BankBank Baltimore, MD | 80 out of 100, Strong | $868.7M | 17.1% | 0.48% | vs |
| First Shore Federal Savings and Loan AssociationBank Salisbury, MD | 78 out of 100, Strong | $366.5M | 17.4% | 0.82% | vs |