Chestertown, MD · Cert 12885
FDIC · 7 branches
Q3 2025
Market Position · Baltimore-Columbia-Towson, MD · 2025 SOD (annual) · 0.0% share · #37 of 42 inst. · $0.0B of $101.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 1.08% | 1.46% | 1.29% | 1.24% | +5 bps | |
| Return on Equity | 10.87% | 9.82% | 12.15% | 10.43% | 9.75% | -112 bps | |
| Net Interest Margin | 3.94% | 3.96% | 3.93% | 3.95% | 3.97% | +3 bps | |
| Efficiency Ratio | 74.28% | 77.22% | 71.37% | 73.46% | 74.23% | -5 bps | |
| Non-Interest Burden | 2.40% | 2.63% | 1.92% | 2.28% | 2.38% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.46% | -4.04% | -1.80% | -3.23% | -2.05% | +41 bps | |
| Loan Growth (YoY) | 2.06% | -0.46% | -2.66% | -2.42% | -4.95% | -700 bps | |
| Deposit Growth (YoY) | -5.90% | -5.31% | -3.70% | -5.00% | -2.63% | +327 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.38% | 0.24% | 0.22% | 0.30% | 0.29% | -9 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.03% | -0.02% | -0.04% | -0.03% | -1 bps | |
| Allowance / Loans | 1.46% | 1.38% | 1.39% | 1.37% | 1.38% | -8 bps | |
| Allowance Coverage of NPLs | 3.8x | 5.8x | 6.3x | 4.6x | 4.8x | +1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.60% | 12.84% | 13.42% | 13.66% | 13.92% | +132 bps | |
| Total Risk-Based Capital | 22.92% | 23.46% | 24.36% | 24.65% | 26.07% | +315 bps | |
| Equity / Assets | 11.88% | 11.61% | 12.50% | 13.07% | 13.51% | +163 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.67% | 69.81% | 71.88% | 72.06% | 70.94% | -173 bps | |
| Liquid Assets / Assets | 14.13% | 16.01% | 15.15% | 14.68% | 16.08% | +195 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 147.80% | n/a | n/a |