Salisbury, MD · Cert 30680
State savings bank · OCC · 7 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 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.
Capital
85
Asset Quality
50
Profitability
29
Liquidity
38
Efficiency
47
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.
Salisbury, MD · Cert 30680
State savings bank · OCC · 7 branches
Q2 2026
Market Position · Salisbury, MD · 2026 SOD (annual) · 6.2% share · #8 of 10 inst. · $0.2B of $2.6B
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 | 0.73% | 0.64% | 0.51% | 0.52% | 0.54% | 0.54% | 0.64% | 0.77% | +25 bps | |
| Return on Equity | 4.55% | 3.99% | 3.23% | 3.23% | 3.34% | 3.28% | 3.75% | 4.55% | +132 bps | |
| Net Interest Margin | 2.95% | 2.92% | 2.92% | 2.99% | 3.08% | 3.18% | 3.22% | 3.23% | +25 bps | |
| Efficiency Ratio | 72.22% | 75.00% | 76.19% | 75.19% | 77.18% | 79.12% | 68.44% | 69.08% | -611 bps | |
| Non-Interest Burden | 2.08% | 2.14% | 2.18% | 2.19% | 2.33% | 2.49% | 2.15% | 2.19% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.23% | 6.05% | 3.37% | 1.87% | 0.30% | -2.11% | -2.23% | 0.21% | -166 bps | |
| Loan Growth (YoY) | 7.78% | 3.41% | 2.55% | 1.77% | 3.74% | 2.53% | 1.41% | 0.16% | -161 bps | |
| Deposit Growth (YoY) | 5.91% | 6.46% | 3.17% | 1.33% | -0.35% | -2.12% | -2.26% | 0.65% | -68 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.37% | 0.38% | 0.38% | 0.52% | 0.47% | 0.50% | 0.82% | +44 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.37% | 1.34% | 1.34% | 1.34% | 1.31% | 1.27% | 1.31% | 1.28% | -5 bps | |
| Allowance Coverage of NPLs | 3.6x | 3.7x | 3.5x | 3.5x | 2.5x | 2.7x | 2.6x | 1.6x | -2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.60% | 16.44% | 16.41% | 16.48% | 16.83% | 17.03% | 17.35% | 17.39% | +92 bps | |
| Total Risk-Based Capital | 27.34% | 27.22% | 27.33% | 27.29% | 27.05% | 27.68% | 28.69% | 28.92% | +163 bps | |
| Equity / Assets | 16.15% | 15.92% | 15.97% | 16.31% | 16.67% | 16.98% | 17.00% | 16.98% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.88% | 93.61% | 93.20% | 95.10% | 98.77% | 98.06% | 96.70% | 94.63% | -46 bps | |
| Liquid Assets / Assets | 10.03% | 10.89% | 11.87% | 10.61% | 7.86% | 8.61% | 10.49% | 11.28% | +67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 85.63% | 78.09% | 76.91% | n/a | n/a | |
Salisbury, MD · Cert 30680 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 7 branches
Q2 2026
Return on Assets
0.76%
Rank 427 of 629
Net Interest Margin
3.23%
Rank 413 of 629
Efficiency Ratio
69.08%
Rank 334 of 629
Equity / Assets
16.98%
Rank 108 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.60% | 1.01% | 1.45% | Beats 32% | 427 / 629 | ||
| Return on Equity | 4.50% | 5.38% | 9.30% | 13.28% | Beats 21% | 500 / 629 | ||
| Net Interest Margin | 3.23% | 3.03% | 3.54% | 4.05% | Beats 34% | 413 / 629 | ||
| Efficiency Ratio | 69.08% | 58.35% | 67.79% | 79.08% | Beats 47% | 334 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.09% | 0.46% | 1.20% | Beats 35% | 377 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 64% | 212 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 27.67% | 11.24% | 13.84% | 18.77% | Beats 86% | 91 / 629 | ||
| Total Risk-Based Capital Ratio | 28.92% | 11.58% | 14.43% | 19.66% | Beats 86% | 88 / 629 | ||
| Equity / Assets | 16.98% | 9.09% | 10.65% | 13.80% | Beats 83% | 108 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.63% | 67.24% | 80.90% | 93.48% | 78th pctl | 132 / 594 | ||
| Loans / Assets | 78.32% | 53.31% | 67.71% | 78.15% | 76th pctl | 154 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||