Elkton, MD · Cert 31121
FDIC · 4 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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 in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31 to 35). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
32
Profitability
38
Liquidity
90
Efficiency
26
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.
Elkton, MD · Cert 31121
FDIC · 4 branches
Q4 2025
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2025 SOD (annual) · 0.0% share · #56 of 88 inst. · $0.2B of $648.1B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.36% | -0.07% | 0.09% | 0.42% | 0.42% | 0.34% | 0.29% | +21 bps | |
| Return on Equity | 0.14% | -2.98% | -0.54% | 0.70% | 3.29% | 3.28% | 2.63% | 2.24% | +154 bps | |
| Net Interest Margin | 3.09% | 3.13% | 3.31% | 3.27% | 3.24% | 3.31% | 3.46% | 3.54% | +28 bps | |
| Efficiency Ratio | 84.77% | 102.16% | 90.61% | 81.45% | 80.44% | 81.86% | 85.83% | 88.17% | +672 bps | |
| Non-Interest Burden | 2.50% | 3.09% | 2.97% | 2.61% | 2.56% | 2.59% | 2.84% | 2.98% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.11% | 0.51% | 0.05% | -3.33% | -4.28% | -2.32% | -3.72% | -2.17% | +116 bps | |
| Loan Growth (YoY) | -0.52% | -2.92% | -8.00% | -7.06% | -7.97% | -6.42% | -6.75% | -7.99% | -93 bps | |
| Deposit Growth (YoY) | -3.25% | -3.16% | -3.31% | -1.97% | -3.16% | 0.86% | -1.45% | -1.92% | +5 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.38% | 0.87% | 0.99% | 1.07% | 1.00% | 0.87% | 0.92% | 0.28% | -79 bps | |
| Net Charge-Offs / Loans | 0.85% | 0.42% | 0.45% | 0.66% | 0.06% | 0.10% | 0.08% | 0.17% | -48 bps | |
| Allowance / Loans | 0.92% | 1.05% | 1.06% | 1.05% | 1.08% | 1.06% | 1.08% | 1.00% | -5 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.2x | 1.1x | 1.0x | 1.1x | 1.2x | 1.2x | 3.6x | +2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.66% | 9.40% | 9.71% | 9.82% | 10.21% | 10.29% | 10.64% | 10.67% | +84 bps | |
| Total Risk-Based Capital | 11.92% | 12.31% | 12.71% | 13.01% | 13.48% | 13.84% | 14.32% | 14.52% | +151 bps | |
| Equity / Assets | 11.82% | 12.10% | 12.44% | 12.66% | 12.71% | 12.99% | 13.36% | 13.48% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.37% | 91.26% | 88.90% | 88.11% | 85.88% | 84.67% | 84.11% | 82.66% | -545 bps | |
| Liquid Assets / Assets | 7.79% | 8.67% | 9.71% | 7.73% | 10.04% | 10.11% | 11.26% | 12.53% | +480 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 59.12% | 53.04% | n/a | |
Elkton, MD · Cert 31121 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31-35)
FDIC · 4 branches
Q4 2025
Return on Assets
0.30%
Rank 28 of 35
Net Interest Margin
3.54%
Rank 8 of 35
Efficiency Ratio
88.17%
Rank 27 of 35
Equity / Assets
13.48%
Rank 16 of 35
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.30% | 0.30% | 0.84% | 1.48% | Beats 20% | 28 / 35 | ||
| Return on Equity | 2.20% | 2.99% | 5.01% | 11.91% | Beats 17% | 29 / 35 | ||
| Net Interest Margin | 3.54% | 2.81% | 3.16% | 3.48% | Beats 77% | 8 / 35 | ||
| Efficiency Ratio | 88.17% | 56.98% | 71.38% | 88.17% | Beats 26% | 27 / 35 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | 0.00% | 0.19% | 0.90% | Beats 32% | 22 / 31 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.73% | 12.92% | 18.93% | 34.69% | Beats 31% | 24 / 35 | ||
| Total Risk-Based Capital Ratio | 14.52% | 13.83% | 20.18% | 35.18% | Beats 29% | 25 / 35 | ||
| Equity / Assets | 13.48% | 9.35% | 11.63% | 18.66% | Beats 54% | 16 / 35 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.66% | 69.97% | 86.01% | 99.72% | 45th pctl | 17 / 31 | ||
| Loans / Assets | 70.90% | 61.12% | 72.08% | 80.57% | 45th pctl | 17 / 31 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 1.37% | Beats 100% | 26 / 35 | ||