FDIC Cert #31345 · Hertford, North Carolina · Est. 1923

Hertford Savings Bank, SSB - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$19M
Total assets
D
Health grade · Weak
-0.08%
Return on assets
11.2%
Tier 1 capital

Data updated July 2026

The verdict

Hertford Savings Bank, SSB earns a PlainBankData health grade of D (48/100), with well-capitalized at 11.22% Tier 1, -0.08% ROA, 104% efficiency ratio.

#4,281
largest of 4,313 FDIC banks by assets
1st
percentile by asset size, nationally
11.22%
Tier 1 ratio - above the 10% well-capitalized line
5th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 31345 · NC D · 48/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-D D (48/100)
  • BOTTOM-DECILE #4170/4307
  • PHOTO-FINISH Interstate Bank · TX
  • TIER1-WELL 11.2% Tier 1
  • TEXAS-CLEAN 1.4% Texas
  • ROA-LOSS -0.08% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: Interstate Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Hertford Savings Bank, SSB

Lowest and highest poles plus nearest scored peers outside North Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100East Wisconsin Savin… · WI ·…48/100First Federal Bank o… · MO ·…48/100Hertford Savings Ban… · NC ·…48/100Interstate Bank · TX · near48/100United Fidelity Bank… · IN ·…48/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Hertford Savings Bank, SSB · July 2026

What Hertford Savings Bank, SSB's Call Report plate shows

Hertford Savings Bank, SSB (FDIC Cert #31345) carries a PlainBankData health grade of D at 48/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,170 of 4,307. Tier 1 capital prints at 11.22%, clearing the 10% well-capitalized line. The Texas Ratio is 1.41%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.08%. Balance-sheet scale is $19M, 4,281st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Interstate Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Hertford Savings Bank, SSB

7 FAILURE resolutions in North Carolina since 2000 (7 since 2008)

Hertford Savings Bank, SSB's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Hertford Savings Bank, SSB remains an active FDIC-insured reporter.

  • PISGAH COMMUNITY BANK ASHEVILLE, NC 2013 → CAPITAL BANK, NATIONAL ASSOCIATION
  • PARKWAY BANK LENOIR, NC 2013 → CERTUSBANK, NATIONAL ASSOCIATION
  • WACCAMAW BANK WHITEVILLE, NC 2012 → FIRST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Carolina banks.

How Hertford Savings Bank, SSB's 48/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10048/100
Hertford Savings Bank, SSB's composite health score
Tier 1 Capital Ratio (11.22%) 28/40
Return on Assets (ROA) (-0.08%) 0/25
Texas Ratio (1.41%) 20/20
Efficiency Ratio (103.86%) 0/15

48 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$19M

Total balance-sheet footings

Total Deposits

$17M

Customer-funded liabilities

Net Loans

$13M

Outstanding loan book

Net Income

$-15K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.82% 11.22% 12.62%
Basel III capital ratios - Hertford Savings Bank, SSB

Where Hertford Savings Bank, SSB ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Hertford Savings Bank, SSB's score of 48/100 falls in the highlighted band.

Hertford Savings Bank, SSB: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

48 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Hertford Savings Bank, SSB 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Hertford Savings Bank, SSB's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Hertford Savings Bank, SSB's $19M falls in the highlighted band.

Safety ratios for Hertford Savings Bank, SSB

Tier 1 capital ratio
Well-capitalized 10%

11.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.22%
Texas Ratio
1.41%
Equity Capital
$2M

What these ratios mean →

Profitability metrics: Hertford Savings Bank, SSB

Return on Assets (ROA)
5th percentile nationally
-0.08%
Return on Equity (ROE)
-0.68%
Efficiency Ratio
103.86%

What these mean →

Income & expense: loss period at Hertford Savings Bank, SSB

$950K
Interest Income
$5K
Non-Interest Income
$538K
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Hertford Savings Bank, SSB reports a Texas Ratio of 1.41% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.41% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Hertford Savings Bank, SSB

Hertford Savings Bank, SSB's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-15K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Hertford Savings Bank, SSB up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Hertford Savings Bank, SSB on FDIC BankFind →

Top banks in North Carolina by total assets

Largest banks headquartered in North Carolina
  1. 1
    Bank of America $2.64T

    Charlotte, NC · Grade A

  2. 2
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  3. 3
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  4. 4
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

Top 5 banks in North Carolina ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($19M here), outside North Carolina so the neighborhood is not state containment.

Sainte Marie State Bank $19M · IL The Bank of Steinauer $19M · NE Farmers & Merchants Bank $19M · OK Hartsburg State Bank $20M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Hertford Savings Bank, SSB (FDIC Cert #31345) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Hertford Savings Bank, SSB Call Report profile · FDIC Failed Bank List · North Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Carolina

All North Carolina banks →
BankAssetsGradeROA
Bank of America, National AssociationCharlotte $2.64T A 1.15%
Truist BankCharlotte $539.5B A 1.04%
First-Citizens Bank & Trust CompanyRaleigh $229.3B B 1.00%
Live Oak Banking CompanyWilmington $15.1B C 0.82%
First BankSouthern Pines $12.7B A 0.94%
Southern Bank and Trust CompanyMount Olive $5.2B A 1.19%
HomeTrust BankAsheville $4.5B A 1.43%
The Fidelity BankFuquay Varina $4.4B A 1.74%