Waldorf, MD · Cert 30903
FDIC · 12 branches
Q2 2023
Market Position · Lexington Park, MD · 2023 SOD (annual) · 28.9% share · #1 of 8 inst. · $1.2B of $4.0B
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 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.26% | 1.32% | 1.38% | 1.36% | 1.45% | +18 bps | |
| Return on Equity | 13.15% | 14.00% | 14.78% | 14.77% | 15.62% | +247 bps | |
| Net Interest Margin | 3.06% | 3.12% | 3.15% | 3.20% | 3.41% | +36 bps | |
| Efficiency Ratio | 44.92% | 44.32% | 43.85% | 45.60% | 46.51% | +159 bps | |
| Non-Interest Burden | 1.23% | 1.24% | 1.23% | 1.33% | 1.46% | +23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.87% | 3.55% | 3.55% | 3.25% | 6.00% | +14 bps | |
| Loan Growth (YoY) | 2.26% | 9.84% | 13.47% | 12.11% | 13.79% | +1,153 bps | |
| Deposit Growth (YoY) | 9.20% | 6.06% | 1.54% | 2.85% | 2.37% | -683 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.38% | 0.36% | 0.34% | 0.44% | 0.46% | +8 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.03% | 0.01% | 0.05% | +1 bps | |
| Allowance / Loans | 1.29% | 1.26% | 1.26% | 1.27% | 1.25% | -5 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.5x | 3.7x | 2.9x | 2.7x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.12% | 10.25% | 10.33% | 10.38% | 10.57% | +45 bps | |
| Total Risk-Based Capital | 14.49% | 14.12% | 13.98% | 14.25% | 14.31% | -18 bps | |
| Equity / Assets | 9.16% | 8.78% | 8.99% | 9.39% | 9.42% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.36% | 81.89% | 87.11% | 85.52% | 88.22% | +886 bps | |
| Liquid Assets / Assets | 1.50% | 0.51% | 0.39% | 0.51% | 0.49% | -102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |