🏦Bank Scorer

HEBRON SAVINGS BANK

HEBRON, MD · Supervised by FDIC

Est. 1910FDIC #8,811RSSD: FDIC-8811
Part ofHSB BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.71%

Institution Profile

FDIC BankFind

Address

101 N Main St, HEBRON, MD

County

Wicomico County

Established

June 11, 1910

Total Assets

$822M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$822M

Total Deposits

$707M

Net Loans

$610M

Net Income

$3M

ROA

1.71%

ROE

13.47%

Risk-Based Capital

17.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate16.46%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

14

Branch Deposits

$668M

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247945.57%16.46%
20237557.33%13.33%
202214964.43%14.77%
202114564.83%13.79%
202015071.33%10.00%
201912167.77%14.05%
201819773.1%10.15%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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