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 | |