Hebron Savings Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Hebron Savings Bank began business in 1910 in a room, which was also used to store salt. The Bank has grown tremendously from its initial investment of $25,000 in 1910. Hebron Savings Bank have survived the Great Depression, two world wars, banking de-regulation, Y2K, and increased competition from both bank and nonbank competitors, such as brokers and credit unions.

Hebron Savings Banks market area has expanded to include small to mid-size businesses, farmers, and individuals in the Wicomico, Dorchester, and Somerset Counties in Maryland and lower Sussex County in Delaware.

Hebron 101 N. Main Street, P.O. Box 59
Hebron, MD 21830
Phone: 410.749.1185
Fax: 410.543.0703

Salisbury - Carroll Street
415 E. Carroll Street
Salisbury, MD 21804
Phone: 410.742.8526
Fax: 410.742.8630

Salisbury - Mt. Hermon Road
1310 Mt. Hermon Road
Salisbury, MD 21804
Phone: 410.546.8118
Fax: 410.546.8050

Salisbury - Quantico Square
1008 W. Main Street
Salisbury, MD 21801
Phone: 410.543.9183
Fax: 410.543.9401

Salisbury - Riverside Drive
543C Riverside Drive
Salisbury, MD 21801
Phone: 410.341.6670
Fax: 410.341.6678

Sharptown
303 Main Street, P.O. Box 236
Sharptown, MD 21861
Phone: 410.883.3121
Fax: 410.883.2322

Vienna
100 Market & Race Streets, P.O. Box 158
Vienna, MD 21869
Phone: 410.376.3186
Fax: 410.376.0343

Cambridge
6 Cedar Street
Cambridge, MD 21613
Phone: 410.228.9202
Fax: 410.228.5787