Hebron Savings Bank

Headquarters: Hebron, Maryland
Charter: Bank
Assets: $838.8M
Fed district: Richmond
Regulator: FDIC
Holding company: Hsb Bancorp Inc.

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 3, 2026

How these figures are measured

Call-report figures are for Hebron Savings Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Hebron Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Hebron Savings Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $294K in Q2 2026, 3.9% below the same quarter a year earlier ($306K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Account Comparison Table
Can be waived with a minimum daily balance of $1,000 or more.
Hebron Savings Bank: $4.99
Hebron Savings Bank: $4.99
U.S. median: no median
Overdraft (OD)
Hebron Savings Bank: $35
Hebron Savings Bank: $35
U.S. median: no median
NSF / Returned Item
Hebron Savings Bank: $35
Hebron Savings Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 3.0% from Q3 2025 to Q2 2026, to $294K.

Service-charge income, Q2 2026

$294K

$303KQ3 2025

$299KQ4 2025

$274KQ1 2026

$294KQ2 2026

Against the median

Hebron Savings BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Hebron Savings Bank · $839M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Banks only
$816M to $858M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Hebron Savings Bank(this institution)	Hebron, MD	$839M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of the West	Grapevine, TX	$830M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
BankIowa	Cedar Rapids, IA	$846M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Barwick Banking Company	Barwick, GA	$830M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
CIBM Bank	Champaign, IL	$820M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank	Corvallis, OR	$823M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Freedom Bank	Lebanon, TN	$818M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Resource Bank	Exton, PA	$841M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank of Middlebury	Middlebury, IN	$836M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Utah Bank	Salt Lake City, UT	$840M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Focus Bank	Charleston, MO	$854M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hana Bank USA, National Association	Fort Lee, NJ	$835M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Harmony Bank	Dallas, TX	$855M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Macon Bank and Trust Company	Lafayette, TN	$821M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northeast Bank	Minneapolis, MN	$837M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Oregon Pacific Bank	Florence, OR	$825M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Pendleton Community Bank, Inc.	Franklin, WV	$850M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Premier Bank	Rock Valley, IA	$826M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Quail Creek Bank	Oklahoma City, OK	$831M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Rollstone Bank & Trust	Fitchburg, MA	$816M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Savings Bank of Walpole	Walpole, NH	$858M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas National Bank of Jacksonville	Jacksonville, TX	$852M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Old Fort Banking Company	Old Fort, OH	$844M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Southern Bank	Umatilla, FL	$843M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
West Shore Bank	Ludington, MI	$834M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wilson & Muir Bank & Trust Company	Bardstown, KY	$818M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.01 (38%) below the median of similar-sized banks.

Its published price is $4.99, against a peer median of $8 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Hebron Savings BankPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Hebron Savings Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $294K
vs prior quarter: +$20K+7.3%; from Q1 2026
vs a year earlier: −$12K−3.9%; from Q2 2025
vs start of range: −$23K−7.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Hebron Savings Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$294K	+$20K	+7.3%
Q1 2026	$274K	−$25K	−8.4%
Q4 2025	$299K	−$4K	−1.3%
Q3 2025	$303K	−$3K	−1.0%
Q2 2025	$306K	−$5K	−1.6%
Q1 2025	$311K	−$17K	−5.2%
Q4 2024	$328K	+$11K	+3.5%
Q3 2024	$317K	−$11K	−3.4%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Hebron Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Charge$4.99
per month
Dormant Account Annual Fee$10
Not compared: Annual charge, not monthly
per year
Dormant Account Fee$10
Escheat Fee$50
Account Reconciliation Per Hour$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation Per Hour | $25
Research/Account Reconcilement (Per Hour)$25
Not compared: Charged per hour; comparison unavailable
per hour · Research/Account Reconcilement (Per Hour) | $25

Overdraft & NSF

NSF Fee (Per Item) Customer Overdraft Policy NSF Fee (Per Item, Per Presentment) Customer Overdraft Policy$35
per item
NSF Fee$35
per item

ATM & Card

Non-Hebron Savings Bank ATM Transaction Fee$1.75
Debit Card Lost/Damaged Replacement Fee$5

Wire Transfers

Wire Transfer - Outgoing (Domestic)$25
Wire Transfer - Outgoing (International)$50
Wire Transfer - Incoming (Domestic or International)$15

Check Services

Cashiers Check$5
Stop Payment Request/Renewal$35
Check Copy$5

Cash & Deposit

Return Deposited Item$10
Returned Deposit Item$10
Lost Night Depository Bag or Key Replacement$25
Night Depository Bag or Key Replacement$25

Account Services

Safe Deposit Box Drilled And Replace Locks$265
Not compared: Box drilling or key fee
Safe Deposit Box New Lock and Two Keys$165
Not compared: Box drilling or key fee
Attachments, Levies, and Garnishments$150

Other Fees

Photocopies (Per Page)$0.25
Not compared: Charged per page; comparison unavailable
per page · Photocopies (Per Page) | $.25
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	$4.99	per month	None
Dormant Account Annual Fee	$10Not compared: Annual charge, not monthly	per year	None
Dormant Account Fee	$10	Not stated	None
Escheat Fee	$50	Not stated	None
Account Reconciliation Per Hour	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation Per Hour \| $25
Research/Account Reconcilement (Per Hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	Research/Account Reconcilement (Per Hour) \| $25
Overdraft & NSF
NSF Fee (Per Item) Customer Overdraft Policy NSF Fee (Per Item, Per Presentment) Customer Overdraft Policy	$35	per item	None
NSF Fee	$35	per item	None
ATM & Card
Non-Hebron Savings Bank ATM Transaction Fee	$1.75	Not stated	None
Debit Card Lost/Damaged Replacement Fee	$5	Not stated	None
Wire Transfers
Wire Transfer - Outgoing (Domestic)	$25	Not stated	None
Wire Transfer - Outgoing (International)	$50	Not stated	None
Wire Transfer - Incoming (Domestic or International)	$15	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Stop Payment Request/Renewal	$35	Not stated	None
Check Copy	$5	Not stated	None
Cash & Deposit
Return Deposited Item	$10	Not stated	None
Returned Deposit Item	$10	Not stated	None
Lost Night Depository Bag or Key Replacement	$25	Not stated	None
Night Depository Bag or Key Replacement	$25	Not stated	None
Account Services
Safe Deposit Box Drilled And Replace Locks	$265Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box New Lock and Two Keys	$165Not compared: Box drilling or key fee	Not stated	None
Attachments, Levies, and Garnishments	$150	Not stated	None
Other Fees
Photocopies (Per Page)	$0.25Not compared: Charged per page; comparison unavailable	per page	Photocopies (Per Page) \| $.25
Statement Copy	$5	Not stated	None

Account Maintenance

Money Market Business Service Charge if Account Falls Below $2,500$15
Regular Checking Business Service Charge if Account Falls Below $1,000$10
Statement Savings Business Service Charge if Account Falls Below $250$5
Dormant Account Annual Fee$10
Not compared: Annual charge, not monthly
per year
Dormant Account Fee$10
Escheat Fee$50
Account Reconciliation Per Hour$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation Per Hour | $25
Research/Account Reconcilement (Per Hour)$25
Not compared: Charged per hour; comparison unavailable
per hour · Research/Account Reconcilement (Per Hour) | $25

Overdraft & NSF

NSF Fee (Per Item) Customer Overdraft Policy NSF Fee (Per Item, Per Presentment) Customer Overdraft Policy$35
per item

ATM & Card

Non-Hebron Savings Bank ATM Transaction Fee$1.75
Debit Card Lost/Damaged Replacement Fee$5

Wire Transfers

Wire Transfer - Outgoing (Domestic)$25
Wire Transfer - Outgoing (International)$50
Wire Transfer - Incoming (Domestic or International)$15

Check Services

Cashiers Check$5
Stop Payment Request/Renewal$35
Check Copy$5

Cash & Deposit

Return Deposited Item$10
Returned Deposit Item$10
Lost Night Depository Bag or Key Replacement$25
Night Depository Bag or Key Replacement$25

Account Services

Safe Deposit Box Drilled And Replace Locks$265
Not compared: Box drilling or key fee
Safe Deposit Box New Lock and Two Keys$165
Not compared: Box drilling or key fee
Attachments, Levies, and Garnishments$150

Other Fees

Photocopies (Per Page)$0.25
Not compared: Charged per page; comparison unavailable
per page · Photocopies (Per Page) | $.25
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Money Market Business Service Charge if Account Falls Below $2,500	$15	Not stated	None
Regular Checking Business Service Charge if Account Falls Below $1,000	$10	Not stated	None
Statement Savings Business Service Charge if Account Falls Below $250	$5	Not stated	None
Dormant Account Annual Fee	$10Not compared: Annual charge, not monthly	per year	None
Dormant Account Fee	$10	Not stated	None
Escheat Fee	$50	Not stated	None
Account Reconciliation Per Hour	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation Per Hour \| $25
Research/Account Reconcilement (Per Hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	Research/Account Reconcilement (Per Hour) \| $25
Overdraft & NSF
NSF Fee (Per Item) Customer Overdraft Policy NSF Fee (Per Item, Per Presentment) Customer Overdraft Policy	$35	per item	None
ATM & Card
Non-Hebron Savings Bank ATM Transaction Fee	$1.75	Not stated	None
Debit Card Lost/Damaged Replacement Fee	$5	Not stated	None
Wire Transfers
Wire Transfer - Outgoing (Domestic)	$25	Not stated	None
Wire Transfer - Outgoing (International)	$50	Not stated	None
Wire Transfer - Incoming (Domestic or International)	$15	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Stop Payment Request/Renewal	$35	Not stated	None
Check Copy	$5	Not stated	None
Cash & Deposit
Return Deposited Item	$10	Not stated	None
Returned Deposit Item	$10	Not stated	None
Lost Night Depository Bag or Key Replacement	$25	Not stated	None
Night Depository Bag or Key Replacement	$25	Not stated	None
Account Services
Safe Deposit Box Drilled And Replace Locks	$265Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box New Lock and Two Keys	$165Not compared: Box drilling or key fee	Not stated	None
Attachments, Levies, and Garnishments	$150	Not stated	None
Other Fees
Photocopies (Per Page)	$0.25Not compared: Charged per page; comparison unavailable	per page	Photocopies (Per Page) \| $.25
Statement Copy	$5	Not stated	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Hebron Savings Bank operates, and what regulators and customers have on file.

Market position

In Salisbury, MD, Hebron Savings Bank holds 20.1% of bank deposits, #1 of 10, with 9 offices.

Offices in the metro

42 offices of 13 institutions shown.

Hebron Savings BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Salisbury, MD metro (FDIC metro code 41540), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 1 office has no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Hebron Savings Bank20.1%
2PNC Bank, National Association19.4%
3Burke & Herbert Bank & Trust Company14.1%
4The Farmers Bank of Willards12.9%
5Manufacturers and Traders Trust Company10.4%
6Bank of America, National Association10.0%
7Truist Bank6.6%
8First Shore Federal Savings and Loan Association6.2%

8 of 10 institutions shown. $2.6B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Salisbury, MD metro (FDIC metro code 41540)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 20.1% share, 9 offices, #1 of 10

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Salisbury, MD metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

5 offices of 4 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

None on file with the Federal Reserve and Maryland Office of Financial Regulation

The Federal Reserve and Maryland Office of Financial Regulation have no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve and Maryland Office of Financial Regulation, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when Hebron Savings Bank's nsf / returned item changes in our data

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