Glen Burnie, MD · Cert 27567
SI · FDIC · 1 branch
Q2 2026
Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.1% share · #31 of 40 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.21% | 0.24% | 0.20% | 0.23% | +2 bps | |
| Return on Equity | 2.43% | 2.44% | 2.76% | 2.21% | 2.55% | +13 bps | |
| Net Interest Margin | 1.23% | 1.25% | 1.28% | 1.33% | 1.28% | +5 bps | |
| Efficiency Ratio | 77.74% | 77.60% | 77.07% | 80.56% | 76.48% | -127 bps | |
| Non-Interest Burden | 0.95% | 0.96% | 0.98% | 1.06% | 0.97% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.12% | 0.10% | -0.64% | -0.77% | -1.88% | -200 bps | |
| Loan Growth (YoY) | -4.13% | -1.93% | 0.56% | 0.32% | 1.50% | +563 bps | |
| Deposit Growth (YoY) | -0.10% | -0.10% | -0.96% | -1.10% | -2.36% | -226 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.43% | 0.92% | 0.68% | 0.69% | 0.69% | -74 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.44% | 0.43% | 0.43% | 0.43% | 0.43% | -1 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.5x | 0.6x | 0.6x | 0.6x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.44% | 8.47% | 8.67% | 8.74% | 8.80% | +36 bps | |
| Total Risk-Based Capital | 18.66% | 18.80% | 18.97% | 19.21% | 19.37% | +72 bps | |
| Equity / Assets | 8.54% | 8.66% | 8.80% | 8.84% | 8.95% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.98% | 88.07% | 90.49% | 88.80% | 89.38% | +340 bps | |
| Liquid Assets / Assets | 13.21% | 13.88% | 12.58% | 12.65% | 13.01% | -20 bps | |
| CRE / Total Capital | n/a | 36.21% | 38.58% | 33.17% | n/a | n/a | |