Aberdeen, MD · Cert 19101
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.6% share · #17 of 40 inst. · $0.6B of $106.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 1.03% | 1.07% | 0.99% | 1.19% | +25 bps | |
| Return on Equity | 10.22% | 10.92% | 11.10% | 10.06% | 12.23% | +200 bps | |
| Net Interest Margin | 3.34% | 3.48% | 3.67% | 3.67% | 3.87% | +54 bps | |
| Efficiency Ratio | 63.63% | 61.24% | 57.83% | 62.38% | 56.87% | -677 bps | |
| Non-Interest Burden | 2.01% | 2.02% | 2.00% | 2.18% | 2.07% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.04% | 3.31% | 2.09% | 1.63% | 6.62% | +258 bps | |
| Loan Growth (YoY) | -4.13% | -0.78% | 8.70% | 14.30% | 17.68% | +2,181 bps | |
| Deposit Growth (YoY) | 9.41% | 5.40% | 1.40% | 0.80% | 5.65% | -376 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.21% | 1.15% | 1.12% | 0.97% | 0.91% | -30 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.21% | 1.21% | 1.23% | 1.24% | 1.23% | +2 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 1.1x | 1.3x | 1.4x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.42% | 9.58% | 9.75% | 9.97% | 9.95% | +53 bps | |
| Total Risk-Based Capital | 15.25% | 15.40% | 14.72% | 14.59% | 14.30% | -94 bps | |
| Equity / Assets | 9.32% | 9.45% | 9.78% | 9.93% | 9.61% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.72% | 76.02% | 83.24% | 85.59% | 84.35% | +862 bps | |
| Liquid Assets / Assets | 29.02% | 28.50% | 21.79% | 20.03% | 20.39% | -863 bps | |
| CRE / Total Capital | n/a | 382% | 421% | 433% | n/a | n/a | |