Hebron Savings Bank

Hebron Savings Bank is headquartered in Hebron and is the 15^st largest bank in the state of Maryland. It is also the 1,366^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 106 employees at 11 locations. Hebron Savings Bank has a 3-star health rating.

Hebron Savings Bank Routing Number: 052101669

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Data for Q1 2012

Institution Statistics Hebron Savings Bank FDIC Certificate # 8811 BankRate Report View Year Established 1910 Employees 106 Primary Regulator FDIC Assets and Liabilities Assets $495.07 million Loans $410.63 million Deposits $402.02 million Equity Capital $37.01 million Loan Loss Allowance $4.05 million Unbacked Noncurrent Loans $5.54 million Real Estate Owned $4.18 million Historic Data - March 2011 Assets $470.50 million Equity Capital $35.98 million Loan Loss Allowance $4.62 million Unbacked Noncurrent Loans $5.29 million Real Estate Owned $4.01 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.41% Return on Equity 5.43% Interest Income $6.36 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Hebron Savings Bank had $9.72 million in non-current loans and owned real-estate with $41.06 million in equity and loan loss allowances on hand to cover it. This gives Hebron Savings Bank a Texas Ratio of 23.67% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hebron Savings Bank held steady from 22.90% as of March 31, 2011 to 23.67% as of March 31, 2012, resulting in a negative change of 3.33%. This indicates that the balance sheet and financial strength for Hebron Savings Bank has held steady in recent periods. Deposit Growth In the past year, Hebron Savings Bank has increased its total deposits by $14.57 million, resulting in 3.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hebron Savings Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hebron Savings Bank has $495.07 million in assets with $41.06 million in equity, resulting in a capitalization level of 8.29%, which is average.

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