Jarrettsville, MD · Cert 31083
SL · OCC · 1 branch
Q2 2026
Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.1% share · #29 of 40 inst. · $0.1B of $106.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.25% | 0.13% | 0.34% | 0.49% | 0.23% | 0.07% | 0.36% | +1 bps | |
| Return on Equity | 1.59% | 2.17% | 1.14% | 3.01% | 4.24% | 1.94% | 0.60% | 3.07% | +6 bps | |
| Net Interest Margin | 2.22% | 2.34% | 2.07% | 2.24% | 2.54% | 2.43% | 2.41% | 2.56% | +32 bps | |
| Efficiency Ratio | 88.02% | 84.98% | 95.32% | 82.60% | 79.21% | 85.78% | 89.30% | 80.40% | -221 bps | |
| Non-Interest Burden | 1.94% | 1.97% | 1.97% | 1.82% | 1.99% | 2.07% | 2.14% | 2.02% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.59% | 7.84% | 5.27% | 4.64% | 4.71% | 2.22% | 1.57% | 2.12% | -253 bps | |
| Loan Growth (YoY) | 11.99% | 8.29% | 5.38% | 6.25% | 2.87% | 4.17% | 5.78% | 4.83% | -142 bps | |
| Deposit Growth (YoY) | 5.37% | 8.67% | 5.41% | 4.56% | 4.67% | 1.72% | 0.94% | 1.82% | -273 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.31% | 0.47% | 0.67% | 0.50% | 0.60% | 0.47% | 0.36% | -30 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.07% | 1.09% | 1.07% | 1.07% | 1.08% | 1.07% | 1.05% | 1.04% | -3 bps | |
| Allowance Coverage of NPLs | 5.9x | 3.6x | 2.3x | 1.6x | 2.2x | 1.8x | 2.2x | 2.9x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.69% | 12.71% | 12.24% | 12.14% | 12.31% | 12.29% | 12.29% | 12.20% | +6 bps | |
| Total Risk-Based Capital | 12.69% | 12.71% | 12.24% | 12.14% | 12.31% | 12.29% | 12.29% | 12.20% | +6 bps | |
| Equity / Assets | 11.85% | 11.26% | 11.35% | 11.44% | 11.72% | 11.67% | 11.63% | 11.57% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.31% | 75.61% | 76.32% | 77.82% | 77.94% | 77.44% | 79.99% | 80.12% | +230 bps | |
| Liquid Assets / Assets | 6.40% | 5.92% | 8.52% | 8.84% | 9.47% | 10.06% | 9.77% | 11.02% | +217 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 159.88% | 158.76% | 168.91% | n/a | n/a | |