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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.41% | 0.96% | 1.18% | 0.79% | 1.46% | 1.12% | 1.12% | -6 bps | |
| Return on Equity | 15.10% | 13.56% | 8.92% | 10.35% | 6.74% | 12.15% | 8.77% | 8.43% | -193 bps | |
| Net Interest Margin | 3.92% | 3.88% | 3.94% | 3.97% | 4.00% | 3.93% | 3.98% | 3.98% | +1 bps | |
| Efficiency Ratio | 70.52% | 71.14% | 79.26% | 73.10% | 86.77% | 71.37% | 76.04% | 75.88% | +278 bps | |
| Non-Interest Burden | 2.34% | 1.98% | 2.80% | 2.41% | 3.29% | 1.92% | 2.64% | 2.57% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.05% | -6.49% | -4.33% | -2.46% | -4.04% | -1.80% | -3.23% | -2.05% | +41 bps | |
| Loan Growth (YoY) | 7.06% | 9.25% | 2.09% | 2.06% | -0.46% | -2.66% | -2.42% | -4.95% | -700 bps | |
| Deposit Growth (YoY) | -13.09% | -8.55% | -6.82% | -5.90% | -5.31% | -3.70% | -5.00% | -2.63% | +327 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.41% | 0.39% | 0.38% | 0.24% | 0.22% | 0.30% | 0.29% | -9 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | -0.02% | -0.02% | -0.08% | -0.02% | -0.07% | 0.00% | +2 bps | |
| Allowance / Loans | 1.45% | 1.43% | 1.45% | 1.46% | 1.38% | 1.39% | 1.37% | 1.38% | -8 bps | |
| Allowance Coverage of NPLs | 5.1x | 3.5x | 3.7x | 3.8x | 5.8x | 6.3x | 4.6x | 4.8x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.59% | 12.01% | 12.41% | 12.60% | 12.84% | 13.42% | 13.66% | 13.92% | +132 bps | |
| Total Risk-Based Capital | 20.84% | 21.11% | 21.96% | 22.92% | 23.46% | 24.36% | 24.65% | 26.07% | +315 bps | |
| Equity / Assets | 10.07% | 10.68% | 10.90% | 11.88% | 11.61% | 12.50% | 13.07% | 13.51% | +163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.41% | 71.12% | 70.16% | 72.67% | 69.81% | 71.88% | 72.06% | 70.94% | -173 bps | |
| Liquid Assets / Assets | 17.50% | 14.06% | 15.22% | 14.13% | 16.01% | 15.15% | 14.68% | 16.08% | +195 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 147.80% | n/a | n/a |