Nottingham, MD · Cert 29613
SL · OCC · 15 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating in a single state (n=268 to 269). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
91
Asset Quality
53
Profitability
4
Liquidity
91
Efficiency
4
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.
Nottingham, MD · Cert 29613
SL · OCC · 15 branches
Q2 2026
Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 1.0% share · #13 of 40 inst. · $1.1B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.19% | -0.05% | 0.05% | 0.11% | 0.18% | 0.11% | 0.28% | +24 bps | |
| Return on Equity | 0.97% | 0.99% | -0.28% | 0.23% | 0.58% | 0.95% | 0.58% | 1.50% | +127 bps | |
| Net Interest Margin | 2.09% | 2.12% | 2.07% | 2.17% | 2.25% | 2.24% | 2.40% | 2.43% | +26 bps | |
| Efficiency Ratio | 89.04% | 89.77% | 97.36% | 92.63% | 89.91% | 87.92% | 85.33% | 82.04% | -1,059 bps | |
| Non-Interest Burden | 1.87% | 1.91% | 2.03% | 2.01% | 2.02% | 1.97% | 2.08% | 2.01% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.50% | -1.83% | -4.52% | -4.33% | 0.77% | 4.55% | 6.38% | 7.01% | +1,134 bps | |
| Loan Growth (YoY) | -3.37% | -3.34% | 0.48% | 1.69% | 3.50% | 7.07% | 3.71% | 3.63% | +194 bps | |
| Deposit Growth (YoY) | 6.85% | 5.90% | 1.91% | 1.05% | 3.71% | 4.82% | 7.34% | 8.02% | +698 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.66% | 0.65% | 0.61% | 0.69% | 0.52% | 0.57% | 0.52% | -9 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | -0.02% | -0.01% | -0.01% | 0.00% | 0.04% | 0.01% | +2 bps | |
| Allowance / Loans | 0.89% | 0.87% | 0.89% | 0.89% | 0.90% | 0.84% | 0.88% | 0.84% | -6 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.3x | 1.4x | 1.5x | 1.3x | 1.6x | 1.6x | 1.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.66% | 19.51% | 19.64% | 19.67% | 19.51% | 18.96% | 18.79% | 18.61% | -106 bps | |
| Total Risk-Based Capital | 18.66% | 19.51% | 19.64% | 19.67% | 19.51% | 18.96% | 18.79% | 18.61% | -106 bps | |
| Equity / Assets | 19.22% | 19.50% | 19.58% | 19.58% | 19.23% | 19.22% | 18.84% | 18.78% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.82% | 88.50% | 90.71% | 91.70% | 88.64% | 90.40% | 87.63% | 87.96% | -373 bps | |
| Liquid Assets / Assets | 11.14% | 8.97% | 7.55% | 7.15% | 9.43% | 7.78% | 10.46% | 10.06% | +291 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 161.09% | 168.29% | 165.64% | n/a | n/a | |
Nottingham, MD · Cert 29613 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269)
SL · OCC · 15 branches
Q2 2026
Return on Assets
0.28%
Rank 262 of 269
Net Interest Margin
2.43%
Rank 253 of 269
Efficiency Ratio
85.20%
Rank 257 of 268
Equity / Assets
18.78%
Rank 9 of 269
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.28% | 0.93% | 1.23% | 1.54% | Beats 3% | 262 / 269 | ||
| Return on Equity | 1.49% | 9.13% | 11.77% | 14.52% | Beats 2% | 263 / 269 | ||
| Net Interest Margin | 2.43% | 3.16% | 3.50% | 3.88% | Beats 6% | 253 / 269 | ||
| Efficiency Ratio | 85.20% | 51.70% | 60.21% | 69.66% | Beats 4% | 257 / 268 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.19% | 0.45% | 0.89% | Beats 42% | 158 / 269 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 63% | 102 / 269 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.61% | 11.29% | 13.10% | 15.21% | Beats 90% | 27 / 269 | ||
| Total Risk-Based Capital Ratio | 18.61% | 12.04% | 13.91% | 16.33% | Beats 87% | 35 / 269 | ||
| Equity / Assets | 18.78% | 9.18% | 10.29% | 11.76% | Beats 97% | 9 / 269 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.96% | 72.68% | 86.29% | 95.72% | 56th pctl | 118 / 269 | ||
| Loans / Assets | 70.94% | 62.46% | 72.27% | 78.37% | 46th pctl | 146 / 269 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||