Baltimore, MD · Cert 31267
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.0% share · #35 of 40 inst. · $0.0B 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 | 0.38% | 1.03% | 0.33%1 | 0.41%1 | 0.74% | 0.24% | 0.07% | 0.66% | +25 bps | |
| Return on Equity | 1.51% | 4.07% | 1.28% | 1.58% | 2.88% | 0.93% | 0.28% | 2.53% | +95 bps | |
| Net Interest Margin | 2.67% | 2.88% | 2.55% | 2.69% | 2.91% | 3.10% | 3.18% | 3.46% | +77 bps | |
| Efficiency Ratio | 84.83% | 73.05% | 93.56% | 90.81% | 83.96% | 78.82% | 75.19% | 71.45% | -1,935 bps | |
| Non-Interest Burden | 2.24% | 2.05% | 2.38% | 2.44% | 2.44% | 2.44% | 2.38% | 2.46% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.12% | 8.16% | 6.46% | 3.46% | 0.21% | 1.22% | -0.07% | 1.13% | -232 bps | |
| Loan Growth (YoY) | 0.60% | 3.23% | 6.12% | 9.21% | 7.10% | 6.27% | 5.47% | 4.71% | -450 bps | |
| Deposit Growth (YoY) | 14.80% | 10.57% | 8.25% | 3.98% | -0.52% | 1.02% | -0.65% | 0.93% | -304 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.29% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.90% | 0.86% | 0.85% | 0.85% | 0.83% | 0.85% | 0.90% | 0.89% | +4 bps | |
| Allowance Coverage of NPLs | 2.0x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 25.20% | 25.46% | 25.75% | 25.74% | 26.06% | 25.54% | 26.00% | 26.12% | +38 bps | |
| Total Risk-Based Capital | 44.00% | 42.73% | 41.40% | 40.56% | 39.82% | 39.26% | 39.43% | 39.15% | -140 bps | |
| Equity / Assets | 25.08% | 25.58% | 25.82% | 25.55% | 25.65% | 25.70% | 26.21% | 25.69% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.57% | 104.99% | 107.70% | 108.16% | 109.35% | 110.44% | 114.34% | 112.21% | +405 bps | |
| Liquid Assets / Assets | 21.98% | 19.34% | 17.84% | 17.48% | 16.19% | 14.38% | 13.72% | 14.17% | -331 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 148.22% | 157.47% | 161.79% | n/a | n/a | |