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 | |