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 (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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 1.00% | 0.85% | 0.90% | 0.94% | 0.97% | 0.99% | 1.09% | +19 bps | |
| Return on Equity | 10.24% | 11.28% | 9.29% | 9.76% | 10.15% | 10.40% | 10.06% | 11.15% | +139 bps | |
| Net Interest Margin | 3.15% | 3.19% | 3.21% | 3.25% | 3.32% | 3.39% | 3.67% | 3.72% | +46 bps | |
| Efficiency Ratio | 64.53% | 63.04% | 65.61% | 64.60% | 63.42% | 61.92% | 62.38% | 59.51% | -508 bps | |
| Non-Interest Burden | 1.94% | 1.91% | 2.01% | 2.00% | 2.00% | 1.99% | 2.18% | 2.09% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.85% | 7.18% | 6.22% | 4.04% | 3.31% | 2.09% | 1.63% | 6.62% | +258 bps | |
| Loan Growth (YoY) | 1.41% | -1.66% | -3.92% | -4.13% | -0.78% | 8.70% | 14.30% | 17.68% | +2,181 bps | |
| Deposit Growth (YoY) | 13.85% | 16.06% | 13.64% | 9.41% | 5.40% | 1.40% | 0.80% | 5.65% | -376 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.19% | 1.33% | 1.37% | 1.21% | 1.15% | 1.12% | 0.97% | 0.91% | -30 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.19% | 1.14% | 1.18% | 1.21% | 1.21% | 1.23% | 1.24% | 1.23% | +2 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.9x | 0.9x | 1.0x | 1.0x | 1.1x | 1.3x | 1.4x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.93% | 9.10% | 9.31% | 9.42% | 9.58% | 9.75% | 9.97% | 9.95% | +53 bps | |
| Total Risk-Based Capital | 14.04% | 14.59% | 15.07% | 15.25% | 15.40% | 14.72% | 14.59% | 14.30% | -94 bps | |
| Equity / Assets | 8.86% | 9.12% | 9.20% | 9.32% | 9.45% | 9.78% | 9.93% | 9.61% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.76% | 77.65% | 75.48% | 75.72% | 76.02% | 83.24% | 85.59% | 84.35% | +862 bps | |
| Liquid Assets / Assets | 25.91% | 27.25% | 29.21% | 29.02% | 28.50% | 21.79% | 20.03% | 20.39% | -863 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 382% | 421% | 433% | n/a | n/a | |