Hunt Valley, MD · Cert 32360
State savings bank · OCC · 3 branches
Q2 2026
Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.2% share · #25 of 40 inst. · $0.2B 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 | 1.94% | 1.67% | 1.61% | 1.64% | 4.14% | 2.02% | 1.87% | 1.72% | +8 bps | |
| Return on Equity | 7.75% | 6.74% | 6.65% | 6.86% | 16.39% | 7.27% | 6.30% | 5.50% | -136 bps | |
| Net Interest Margin | 6.24% | 5.41% | 5.11% | 5.14% | 5.30% | 5.37% | 5.36% | 5.08% | -6 bps | |
| Efficiency Ratio | 59.97% | 69.88% | 65.89% | 63.19% | 45.31% | 59.06% | 61.57% | 60.51% | -268 bps | |
| Non-Interest Burden | 3.60% | 3.72% | 3.28% | 3.17% | 0.59% | 3.06% | 3.20% | 2.96% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.49% | 8.00% | 7.14% | 6.94% | -3.10% | -9.86% | -13.89% | -18.93% | -2,587 bps | |
| Loan Growth (YoY) | 16.19% | 6.77% | 4.17% | 1.03% | -2.27% | -8.55% | -10.86% | -21.46% | -2,249 bps | |
| Deposit Growth (YoY) | 16.11% | 9.04% | 9.05% | 10.71% | -4.93% | -14.00% | -20.44% | -27.64% | -3,835 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.97% | 3.93% | 3.95% | 4.17% | 4.08% | 4.43% | 5.53% | 6.73% | +256 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | 0.00% | 0.00% | 0.00% | -0.04% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.34% | 1.25% | 1.20% | 1.18% | 1.11% | 1.13% | 1.10% | 1.22% | +4 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.2x | 0.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 25.38% | 24.96% | 23.83% | 24.23% | 24.85% | 28.18% | 29.71% | 30.96% | +673 bps | |
| Total Risk-Based Capital | 25.38% | 24.96% | 23.83% | 24.23% | 24.85% | 28.18% | 29.71% | 30.96% | +673 bps | |
| Equity / Assets | 24.96% | 24.57% | 23.91% | 23.96% | 26.67% | 28.95% | 30.43% | 32.28% | +832 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.27% | 111.38% | 108.13% | 108.35% | 118.48% | 118.43% | 121.15% | 117.59% | +924 bps | |
| Liquid Assets / Assets | 16.73% | 18.60% | 19.85% | 19.43% | 15.99% | 17.17% | 16.58% | 20.84% | +140 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 192.68% | 172.81% | 168.31% | n/a | n/a | |