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Arundel Bank

Glen Burnie, MD · Cert 28780

State savings bank · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

10

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

Arundel Bank

Glen Burnie, MD · Cert 28780

State savings bank · OCC · 5 branches

Q2 2026

$492.1MAssets
$371.6MLoans
$372.6MDeposits
$66.2MEquity
Loan mix
99%RE $367.2M1%C&I $3.4M0%Consumer $0.3MQ3 2024Q2 2026
Deposit mix
97%Interest-bearing $363.0M3%Noninterest $9.6MQ3 2024Q2 2026

Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.4% share · #21 of 40 inst. · $0.4B of $106.1B

Executive Summary

  • Earnings: ROA of 0.16%, down 3 bps year over year; NIM at 2.15%.
  • Asset quality: problem loans at 0.44% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.98%, down 89 bps from a year ago.
  • Funding: loans stand at 99.72% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.16%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.15%-35 bps YoY

Efficiency Ratio (YTD, annualized)

92.74%+263 bps YoY

Tier 1 Leverage Ratio

13.98%-89 bps YoY

NIM

3.91%Q2 ’244.58%Q2 ’254.15%Q2 ’26+33%-14%

Non-interest income vs. expense

2.06%Q2 ’242.33%Q2 ’252.06%Q2 ’26+12%-11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.06%-0.08%0.35%0.20%0.13%0.12%0.07%0.16%-3 bps
Return on Equity-0.47%-0.62%2.53%1.39%0.90%0.85%0.48%1.17%-22 bps
Net Interest Margin1.91%1.89%2.88%2.49%2.41%2.35%2.26%2.15%-35 bps
Efficiency Ratio104.96%106.27%84.46%90.11%93.31%94.10%95.28%92.74%+263 bps
Non-Interest Burden2.01%2.02%2.42%2.24%2.24%2.21%2.15%1.99%-25 bps
Growth
Asset Growth (YoY)-0.11%-0.25%-0.84%-1.58%-2.02%-2.26%4.37%9.88%+1,146 bps
Loan Growth (YoY)-0.27%-2.31%-3.72%-4.64%-3.03%-3.29%-1.52%0.12%+476 bps
Deposit Growth (YoY)-1.97%0.77%-1.52%-0.97%-1.31%-1.99%5.17%8.91%+988 bps
Asset Quality
Nonperforming Loans / Loans1.09%1.08%0.51%0.45%0.60%0.54%0.48%0.44%-1 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.58%0.59%0.59%0.60%0.60%0.59%0.59%0.58%-2 bps
Allowance Coverage of NPLs0.5x0.5x1.2x1.3x1.0x1.1x1.2x1.3x0.0x
Capital
Tier 1 Leverage Ratio14.83%14.71%14.76%14.87%15.10%15.17%14.99%13.98%-89 bps
Total Risk-Based Capital14.83%14.71%14.76%14.87%15.10%15.17%14.99%13.98%-89 bps
Equity / Assets14.11%13.77%14.06%14.35%14.61%14.62%13.57%13.46%-90 bps
Liquidity & Funding
Loans / Deposits112.38%109.70%109.48%108.47%110.42%108.23%102.52%99.72%-875 bps
Liquid Assets / Assets2.24%4.73%5.65%5.91%5.06%6.85%1.44%1.31%-460 bps
CRE / Total Capitaln/an/an/an/a138.65%135.97%138.37%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

Arundel Bank

Glen Burnie, MD · Cert 28780 · Peer group: banks under $1B in assets (n=581-629)

State savings bank · OCC · 5 branches

Q2 2026

$492.1MAssets
$371.6MLoans
$372.6MDeposits
$66.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: net interest margin trails 95% of banks under $1B in assets (rank 596 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.16%

Rank 570 of 629

Net Interest Margin

2.15%

Rank 596 of 629

Efficiency Ratio

92.74%

Rank 564 of 629

Equity / Assets

13.46%

Rank 171 of 629

Non-interest income vs. expense

$0.4M$10.1MINCOMEEXPENSE
Unfavorable gap of $9.8M · efficiency ratio beats 10% of banks under $1B in assets
Bank 92.74%Peer median 67.8%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.16%0.60%1.01%1.45%Beats 9%570 / 629
Return on Equity1.15%5.38%9.30%13.28%Beats 9%570 / 629
Net Interest Margin2.15%3.03%3.54%4.05%Beats 5%596 / 629
Efficiency Ratio92.74%58.35%67.79%79.08%Beats 10%564 / 629
Asset Quality
Nonperforming Loans / Loans0.44%0.09%0.46%1.20%Beats 51%285 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio13.98%11.24%13.84%18.77%Beats 52%305 / 629
Total Risk-Based Capital Ratio13.98%11.58%14.43%19.66%Beats 46%338 / 629
Equity / Assets13.46%9.09%10.65%13.80%Beats 73%171 / 629
Liquidity & Funding
Loans / Deposits99.72%67.24%80.90%93.48%86th pctl82 / 594
Loans / Assets75.51%53.31%67.71%78.15%67th pctl205 / 629
Brokered Deposits / Depositsn/aNot reported for this institution