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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.33% | 0.17% | 0.24% | 0.21% | 0.32% | 0.20% | 0.26% | +1 bps | |
| Return on Equity | 3.45% | 3.87% | 2.01% | 2.84% | 2.47% | 3.72% | 2.21% | 2.89% | +5 bps | |
| Net Interest Margin | 1.35% | 1.23% | 1.21% | 1.26% | 1.29% | 1.34% | 1.33% | 1.23% | -3 bps | |
| Efficiency Ratio | 71.47% | 73.49% | 81.16% | 74.49% | 77.34% | 75.56% | 80.56% | 72.07% | -242 bps | |
| Non-Interest Burden | 0.96% | 0.90% | 0.98% | 0.93% | 0.99% | 1.00% | 1.06% | 0.88% | -6 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 / Loans | 0.74% | 0.74% | 0.75% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.42% | 0.43% | 0.43% | 0.44% | 0.43% | 0.43% | 0.43% | 0.43% | -1 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.6x | 0.3x | 0.5x | 0.6x | 0.6x | 0.6x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.24% | 8.41% | 8.47% | 8.44% | 8.47% | 8.67% | 8.74% | 8.80% | +36 bps | |
| Total Risk-Based Capital | 18.33% | 18.68% | 18.64% | 18.66% | 18.80% | 18.97% | 19.21% | 19.37% | +72 bps | |
| Equity / Assets | 8.43% | 8.51% | 8.53% | 8.54% | 8.66% | 8.80% | 8.84% | 8.95% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.71% | 89.13% | 87.55% | 85.98% | 88.07% | 90.49% | 88.80% | 89.38% | +340 bps | |
| Liquid Assets / Assets | 11.75% | 12.29% | 13.47% | 13.21% | 13.88% | 12.58% | 12.65% | 13.01% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 36.21% | 38.58% | 33.17% | n/a | n/a | |