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Glen Burnie Mutual Savings Bank

Glen Burnie, MD · Cert 27567

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

49

Q2 2024Q2 2026peer median

Efficiency

23

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Glen Burnie Mutual Savings Bank

Glen Burnie, MD · Cert 27567

SI · FDIC · 1 branch

Q2 2026

$103.9MAssets
$83.9MLoans
$93.8MDeposits
$9.3MEquity
Loan mix
100%RE $84.5M0%C&I $0.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $93.8M0%Noninterest $0.0MQ3 2024Q2 2026

Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.1% share · #31 of 40 inst. · $0.1B of $106.1B

Executive Summary

  • Earnings: ROA of 0.23%, up 2 bps year over year; NIM at 1.28%.
  • Asset quality: problem loans at 0.69% of loans (-74 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.80%, up 36 bps from a year ago.
  • Funding: loans stand at 89.38% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.23%+2 bps YoY

Net Interest Margin (YTD, annualized)

1.28%+5 bps YoY

Efficiency Ratio (YTD, annualized)

76.48%-127 bps YoY

Tier 1 Leverage Ratio

8.80%+36 bps YoY

NIM

4.16%Q2 ’244.04%Q2 ’254.14%Q2 ’26+0%+4%

Non-interest income vs. expense

0.96%Q2 ’240.98%Q2 ’251.00%Q2 ’26+2%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%0.26%0.17%0.21%0.21%0.24%0.20%0.23%+2 bps
Return on Equity2.88%3.13%2.01%2.43%2.44%2.76%2.21%2.55%+13 bps
Net Interest Margin1.26%1.27%1.21%1.23%1.25%1.28%1.33%1.28%+5 bps
Efficiency Ratio74.83%74.51%81.16%77.74%77.60%77.07%80.56%76.48%-127 bps
Non-Interest Burden0.94%0.94%0.98%0.95%0.96%0.98%1.06%0.97%+2 bps
Growth
Asset Growth (YoY)-2.65%-1.82%-1.61%0.12%0.10%-0.64%-0.77%-1.88%-200 bps
Loan Growth (YoY)-3.79%-2.24%-2.58%-4.13%-1.93%0.56%0.32%1.50%+563 bps
Deposit Growth (YoY)-3.13%-2.26%-2.04%-0.10%-0.10%-0.96%-1.10%-2.36%-226 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.74%0.75%1.43%0.92%0.68%0.69%0.69%-74 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.42%0.43%0.43%0.44%0.43%0.43%0.43%0.43%-1 bps
Allowance Coverage of NPLs0.6x0.6x0.6x0.3x0.5x0.6x0.6x0.6x+0.3x
Capital
Tier 1 Leverage Ratio8.24%8.41%8.47%8.44%8.47%8.67%8.74%8.80%+36 bps
Total Risk-Based Capital18.33%18.68%18.64%18.66%18.80%18.97%19.21%19.37%+72 bps
Equity / Assets8.43%8.51%8.53%8.54%8.66%8.80%8.84%8.95%+41 bps
Liquidity & Funding
Loans / Deposits89.71%89.13%87.55%85.98%88.07%90.49%88.80%89.38%+340 bps
Liquid Assets / Assets11.75%12.29%13.47%13.21%13.88%12.58%12.65%13.01%-20 bps
CRE / Total Capitaln/an/an/an/a36.21%38.58%33.17%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Glen Burnie Mutual Savings Bank

Glen Burnie, MD · Cert 27567 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 1 branch

Q2 2026

$103.9MAssets
$83.9MLoans
$93.8MDeposits
$9.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets operating in a single state (rank 742 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.23%

Rank 687 of 746

Net Interest Margin

1.28%

Rank 742 of 746

Efficiency Ratio

76.48%

Rank 572 of 746

Equity / Assets

8.95%

Rank 552 of 746

Non-interest income vs. expense

$0.0M$1.1MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 23% of banks under $1B in assets operating in a single state
Bank 76.48%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.23%0.72%1.06%1.45%Beats 8%687 / 746
Return on Equity2.54%6.74%10.51%13.63%Beats 10%670 / 746
Net Interest Margin1.28%3.17%3.68%4.16%Beats 1%742 / 746
Efficiency Ratio76.48%55.74%64.58%75.47%Beats 23%572 / 746
Asset Quality
Nonperforming Loans / Loans0.69%0.09%0.42%1.07%Beats 38%461 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio18.64%11.55%13.75%17.60%Beats 79%153 / 746
Total Risk-Based Capital Ratio19.37%11.71%14.33%18.43%Beats 79%155 / 746
Equity / Assets8.95%8.90%10.51%13.06%Beats 26%552 / 746
Liquidity & Funding
Loans / Deposits89.38%61.31%78.27%90.78%73rd pctl205 / 746
Loans / Assets80.67%53.60%66.97%76.08%87th pctl97 / 746
Brokered Deposits / Depositsn/aNot reported for this institution