Hertford Savings Bank, SSB is a si headquartered in Hertford, North Carolina, in business for about 103 years. At the end of Q2 2026 it reported $20.7M in total assets and $18.5M in deposits, with 1 office.
Based on its Q2 2026 filing, Hertford Savings Bank, SSB scores 65/100, which we describe as moderate. That is higher than only 26% of 546 banks with under $100 million in assets. Among 38 banks headquartered in North Carolina, it ranks 27th. Its strongest component is problem-loan coverage (97/100; 1.4%), and its lowest is earnings (15/100; -0.12%).
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
From Q2 2025 to Q2 2026, the score fell 8 points (73 → 65), mostly because the capital cushion component weakened by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 65 |
| Q4 2024 | 68 |
| Q1 2025 | 69 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 67 |
| Q1 2026 | 64 |
| Q2 2026 | 65 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.27% |
| Q3 2024 | 11.97% |
| Q4 2024 | 12.31% |
| Q1 2025 | 12.12% |
| Q2 2025 | 12.28% |
| Q3 2025 | 11.77% |
| Q4 2025 | 11.22% |
| Q1 2026 | 10.78% |
| Q2 2026 | 10.64% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.27% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.24% |
| Q1 2026 | 0.24% |
| Q2 2026 | 0.22% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.49% |
| Q3 2024 | -0.56% |
| Q4 2024 | -0.54% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.01% |
| Q4 2025 | -0.08% |
| Q1 2026 | -0.30% |
| Q2 2026 | -0.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $20.7M | 10.64% | 0.22% | -0.12% | 78.5% |
| Q1 2026 | 64 | $20.4M | 10.78% | 0.24% | -0.30% | 75.5% |
| Q4 2025 | 67 | $19.4M | 11.22% | 0.24% | -0.08% | 77.8% |
| Q3 2025 | 72 | $19.1M | 11.77% | 0.00% | 0.01% | 78.5% |
| Q2 2025 | 73 | $18.5M | 12.28% | 0.00% | 0.04% | 80.7% |
| Q1 2025 | 69 | $17.7M | 12.12% | 0.26% | 0.02% | 85.5% |
| Q4 2024 | 68 | $17.3M | 12.31% | 0.00% | -0.54% | 87.9% |
| Q3 2024 | 65 | $18.0M | 11.97% | 0.26% | -0.56% | 82.3% |
| Q2 2024 | 66 | $17.8M | 12.27% | 0.27% | -0.49% | 81.7% |
546 peers · Under $100 million in assets
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 North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cedar Hill National BankBank Charlotte, NC | 93 out of 100, Very strong | $16.0M | 67.6% | 0.00% | vs |
| Jackson Savings Bank, SSBBank Sylva, NC | 76 out of 100, Strong | $31.9M | 23.0% | 0.49% | vs |
| Black Mountain Savings Bank, SSBBank Black Mountain, NC | 71 out of 100, Strong | $43.0M | 12.0% | 0.00% | vs |
| Tarboro Savings Bank, SSBBank Tarboro, NC | 61 out of 100, Moderate | $54.1M | 11.3% | 0.66% | vs |
| First Savings and Loan AssociationBank Mebane, NC | 81 out of 100, Strong | $55.9M | 23.9% | 0.23% | vs |
| Riverside Savings Bank, SSBBank Roanoke Rapids, NC | 84 out of 100, Strong | $94.5M | 18.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Hertford Savings Bank, SSB?
Yes. Hertford Savings Bank, SSB is an FDIC-insured institution (FDIC certificate #31345). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.2% of deposits ($779K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Hertford Savings Bank, SSB lists 1 office in 1 city. Most locations:
- Hertford, NC (1)
Identity & history
Profile
- Legal name
- Hertford Savings Bank, SSB
- Former names
- Hertford Savings and Loan Association
- Type
- SI
- FDIC certificate #
- 31345
- RSSD ID
- 971379
- Primary regulator
- FDIC
- Established
- January 1, 1923
- Headquarters
- 121 N Church St, Hertford, NC 27944
- Website
- www.hertfordsavingsbank.com
- Employees
- 3
Quick answers
Hertford Savings Bank, SSB: common questions
Is Hertford Savings Bank, SSB FDIC insured?
Yes. Hertford Savings Bank, SSB is an FDIC-insured institution (FDIC certificate #31345). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Hertford Savings Bank, SSB's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Hertford Savings Bank, SSB ever failed?
There is no failure record for FDIC certificate #31345 in the FDIC failed bank list.
How many branches does Hertford Savings Bank, SSB have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hertford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Nucor Employee'S Credit UnionCredit union Florence, SC | 91 out of 100, Very strong | $68.2M | 19.7% | 0.61% | vs |
| First BankBank Southern Pines, NC | 74 out of 100, Strong | $13.0B | 11.5% | 0.49% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |
| TowneBankBank Portsmouth, VA | 74 out of 100, Strong | $22.6B | 10.0% | 0.22% | vs |
| Atlantic Union BankBank Richmond City, VA | 73 out of 100, Strong | $38.0B | 11.4% | 0.50% | vs |
| Southern Bank and Trust CompanyBank Mount Olive, NC | 70 out of 100, Strong | $5.3B | 9.6% | 0.12% | vs |