Glen Burnie, MD · Cert 28780
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.4% share · #21 of 40 inst. · $0.4B 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 | 0.20% | 0.13% | 0.12% | 0.07% | 0.16% | -3 bps | |
| Return on Equity | 1.39% | 0.90% | 0.85% | 0.48% | 1.17% | -22 bps | |
| Net Interest Margin | 2.49% | 2.41% | 2.35% | 2.26% | 2.15% | -35 bps | |
| Efficiency Ratio | 90.11% | 93.31% | 94.10% | 95.28% | 92.74% | +263 bps | |
| Non-Interest Burden | 2.24% | 2.24% | 2.21% | 2.15% | 1.99% | -25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.58% | -2.02% | -2.26% | 4.37% | 9.88% | +1,146 bps | |
| Loan Growth (YoY) | -4.64% | -3.03% | -3.29% | -1.52% | 0.12% | +476 bps | |
| Deposit Growth (YoY) | -0.97% | -1.31% | -1.99% | 5.17% | 8.91% | +988 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.45% | 0.60% | 0.54% | 0.48% | 0.44% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.60% | 0.60% | 0.59% | 0.59% | 0.58% | -2 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.0x | 1.1x | 1.2x | 1.3x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.87% | 15.10% | 15.17% | 14.99% | 13.98% | -89 bps | |
| Total Risk-Based Capital | 14.87% | 15.10% | 15.17% | 14.99% | 13.98% | -89 bps | |
| Equity / Assets | 14.35% | 14.61% | 14.62% | 13.57% | 13.46% | -90 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.47% | 110.42% | 108.23% | 102.52% | 99.72% | -875 bps | |
| Liquid Assets / Assets | 5.91% | 5.06% | 6.85% | 1.44% | 1.31% | -460 bps | |
| CRE / Total Capital | n/a | 138.65% | 135.97% | 138.37% | n/a | n/a | |