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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Maryland, the state note

Hebron Savings Bank

Hebron, Maryland · $839M in assets · beside the 11 other Maryland banks between $300M and $1B

The filing

1.64%
ROA
1st of 12
0.08%
NPA / loans
2nd of 12
53.6%
Efficiency
2nd of 12

Hebron Savings Bank is the third largest of the 12 Maryland banks nearest its size between $300M and $1B, with $839M in assets at 30 June 2026. Loans are 88.3% of deposits, 8th of 12 against a median of 84.6%, and equity is 12.8% of assets, 4th of 12. Loans grew +13.6% in the year, 3rd of 12, and deposits grew 8.2%; the cohort's median loan growth is +4.7%.

Noncurrent loans are 0.08% of the book, 2nd of 12 against a median of 0.46%; 0.06% is 30 to 89 days past due, and the allowance covers them 15.9 times. Commercial real estate is 40.9% of loans, 8th of 12 against a median of 32.4%, and 216% of capital, below the 300% screen, with construction at 35% against the 100% screen.

Return on assets is 1.64%, the highest in the cohort against a median of 0.99%, on an efficiency ratio of 53.6%, 2nd of 12. Five years ago it was 0.82%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsMD banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 0.99% HS Hebron Savings Bank 1.64% Bo Bank of Ocean City 1.38% FB Farmers Bank of Willards 1.37% HB Harford Bank 1.08% WB Woodsboro Bank 1.07% BB Bayvanguard Bank 1.01% FM Farmers & Merchants Bank 0.97% QB Queenstown Bank of Maryland 0.84% FS First Shore Federal Savings & Loan Association 0.77% HB Harbor Bank of Maryland 0.36% AB Arundel Bank 0.16% Bo Bank of Glen Burnie -0.06%
Loans, year over yearMD banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +4.7% Bo Bank of Glen Burnie +25.4% HB Harford Bank +17.7% HS Hebron Savings Bank +13.6% WB Woodsboro Bank +6.8% Bo Bank of Ocean City +6.3% FB Farmers Bank of Willards +5.2% QB Queenstown Bank of Maryland +4.1% FM Farmers & Merchants Bank +3.5% HB Harbor Bank of Maryland +1.8% FS First Shore Federal Savings & Loan Association +0.2% AB Arundel Bank +0.1% BB Bayvanguard Bank -5.5%

SBA 7(a), FY2008 to FY2026

Hebron Savings Bank is the 136th largest 7(a) lender into Maryland of 268, with $3M across 23 loans, 0.1% of everything approved in the state (Manufacturers and Traders Trust Company leads with $813M). 3 of its 4 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Maryland, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Wicomico, MD$3M5th of 374.3%thin
Worcester, MD$250K25th of 330.5%quiet FY2015
Somerset, MD$150K7th of 82.2%quiet FY2011
Dorchester, MD$140K14th of 161.1%quiet FY2011
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade4$950K27.8%0.00%1544th of 2,589
Accommodation & food services5$840K24.6%0.00%1681st of 2,596
Construction3$755K22.1%0.00%1307th of 2,063
Administrative & waste services2$350K10.2%0.00%1181st of 1,763
Other services3$216K6.3%0.00%1818th of 2,248
7(a) lenders into Maryland, share of approvals since FY2008268 lenders on record; the ten largest and Hebron Savings Bank
Ma Manufacturers and Traders Trust C… 14.7% $813M · 6,207 loans TB Truist Bank 7.1% $393M · 890 loans LO Live Oak Banking Company 6.8% $373M · 273 loans FB Fulton Bank, National Association 3.9% $215M · 266 loans WF Wells Fargo Bank National Associa… 3.5% $193M · 719 loans AU Atlantic Union Bank 3.2% $177M · 415 loans HB Hanmi Bank 2.7% $148M · 166 loans FN First National Bank of Pennsylvan… 2.6% $141M · 301 loans RL Readycap Lending, LLC 2.1% $117M · 267 loans BB Beacon Bank and Trust 1.9% $106M · 96 loans HS Hebron Savings Bank 0.1% $3M · 23 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Hebron Savings BankRankCohort median
Total CRE against capital, the 300% screen216%7th of 12215%
Construction against capital, the 100% screen35%9th of 1230%
Construction and land development, share of loans6.7%10th of 124.3%
Non-owner-occupied nonfarm nonresidential, share of loans31.4%9th of 1223.4%
Total CRE, the guidance definition, share of loans40.9%8th of 1232.4%
CRE growth over 36 months, the third prong+38.7%10th of 12+21.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Farmers & Merchants Bank$874M1.0%63.0%0.00%-0.02%0.7%88.4%9.1%
Bayvanguard Bank$869M1.0%66.5%0.48%-0.01%0.9%103.1%18.7%
Hebron Savings Bank$839M1.6%53.6%0.08%-0.07%1.3%88.3%12.8%
Harford Bank$777M1.1%59.5%0.91%0.01%1.2%84.3%9.6%
Queenstown Bank of Maryland$730M0.8%64.9%0.12%0.01%1.4%73.4%10.4%
Bank of Ocean City$695M1.4%46.2%0.59%0.00%0.7%84.9%11.0%
Farmers Bank of Willards$548M1.4%59.1%0.70%0.11%1.1%84.0%11.7%
Arundel Bank$492M0.2%92.7%0.44%0.00%0.6%99.7%13.5%
Woodsboro Bank$483M1.1%62.6%0.09%-0.02%1.2%77.1%7.1%
Bank of Glen Burnie$395M-0.1%95.4%0.25%0.12%1.2%75.0%5.4%
Harbor Bank of Maryland$383M0.4%90.0%1.89%-0.01%1.1%70.7%12.2%
First Shore Federal Savings & Loan Association$367M0.8%69.1%0.82%0.00%1.3%94.6%17.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Hebron Savings BankCohort median
20212026Change20212026Change
Loans$522M$639M+22%$316M$437M+38%
Deposits$685M$723M+6%$440M$545M+24%
NPA / loans0.88%0.08%-0.80 pts1.03%0.46%-0.56 pts
Efficiency63.4%53.6%-9.8 pts68.4%63.9%-4.5 pts
ROA0.82%1.64%+0.83 pts0.76%0.99%+0.24 pts

This read was prepared for Hebron Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Hebron Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MD banks $300M to $1B
Institution www.hebronsavingsbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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