| Metric | Hebron Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.9% | +3.1 pts |
| Deposit growth (YoY) | +8.2% | +4.3% | +3.8 pts |
| Loan growth (YoY) | +13.7% | +5.3% | +8.4 pts |
| ROA | 1.68% | 1.28% | +0.4 pts |
| ROE | 13.2% | 12.4% | +0.8 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $838.8M | $723.0M | $630.0M | $107.2M | $6.9M | 1.68% | 4.73% | 0.10% |
| Q1 2026 | $821.9M | $706.7M | $610.4M | $105.2M | $3.5M | 1.71% | 4.65% | 0.11% |
| Q4 2025 | $813.7M | $700.4M | $618.2M | $102.3M | $13.0M | 1.67% | 4.69% | 0.18% |
| Q3 2025 | $792.1M | $680.0M | $576.3M | $100.1M | $9.3M | 1.61% | 4.64% | 0.21% |
| Q2 2025 | $776.5M | $668.4M | $554.0M | $96.1M | $6.2M | 1.61% | 4.60% | 0.10% |
| Q1 2025 | $772.0M | $666.8M | $555.0M | $93.2M | $3.0M | 1.58% | 4.47% | 0.14% |
| Q4 2024 | $755.8M | $653.0M | $569.1M | $89.3M | $12.3M | 1.67% | 4.81% | 0.13% |
| Q3 2024 | $753.3M | $650.0M | $569.4M | $89.6M | $9.4M | 1.71% | 4.83% | 0.15% |
Loan mix (Q2 2026): real estate $593.1M · commercial $34.9M · consumer $6.5M · securities $75.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Hebron Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 1.28% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 61.2% | 27th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Hebron Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Hebron Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Hebron Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Hebron Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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