Sparrows Point, MD · Cert 32527 · BV Financial Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
58
Profitability
53
Liquidity
0
Efficiency
55
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.
Sparrows Point, MD · Cert 32527 · BV Financial Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.4% share · #20 of 40 inst. · $0.4B of $106.1B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.69% | 1.52% | 0.99% | 1.20% | 1.40% | 1.61% | 0.46% | 1.01% | -19 bps | |
| Return on Equity | 8.32% | 7.46% | 4.83% | 5.82% | 6.75% | 8.02% | 2.58% | 5.57% | -25 bps | |
| Net Interest Margin | 4.26% | 4.26% | 4.00% | 4.15% | 4.22% | 4.24% | 4.02% | 4.17% | +2 bps | |
| Efficiency Ratio | 50.31% | 52.93% | 65.64% | 60.18% | 58.67% | 56.02% | 78.71% | 66.00% | +582 bps | |
| Non-Interest Burden | 1.99% | 2.10% | 2.52% | 2.37% | 2.34% | 2.23% | 3.09% | 2.66% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.17% | 3.15% | 3.45% | 1.37% | 1.98% | -0.12% | -1.37% | -3.54% | -491 bps | |
| Loan Growth (YoY) | -1.99% | 4.68% | 5.86% | 6.98% | 7.62% | 2.28% | -1.97% | -5.45% | -1,243 bps | |
| Deposit Growth (YoY) | -1.29% | 0.47% | 1.12% | 0.56% | 0.69% | 0.43% | -1.16% | -0.86% | -142 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 0.54% | 0.64% | 0.58% | 0.47% | 0.30% | 0.35% | 0.48% | -10 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.04% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.15% | 1.16% | 1.18% | 1.22% | 1.10% | 0.85% | 0.87% | 0.87% | -34 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.1x | 1.8x | 2.1x | 2.3x | 2.9x | 2.5x | 1.8x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.62% | 19.83% | 19.39% | 19.75% | 19.97% | 16.44% | 16.81% | 17.13% | -262 bps | |
| Total Risk-Based Capital | 26.39% | 25.49% | 25.32% | 25.70% | 26.75% | 22.06% | 22.20% | 23.34% | -236 bps | |
| Equity / Assets | 20.74% | 20.43% | 20.40% | 20.87% | 21.10% | 17.74% | 17.96% | 18.72% | -216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.49% | 107.49% | 107.98% | 108.09% | 108.47% | 109.47% | 107.10% | 103.08% | -500 bps | |
| Liquid Assets / Assets | 10.51% | 7.81% | 7.46% | 6.35% | 7.02% | 6.18% | 8.14% | 7.58% | +124 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 243% | 296% | 289% | n/a | n/a | |
Sparrows Point, MD · Cert 32527 · Peer group: banks under $1B in assets (n=581-629) · BV Financial Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Return on Assets
1.04%
Rank 306 of 629
Net Interest Margin
4.17%
Rank 121 of 629
Efficiency Ratio
66.46%
Rank 284 of 629
Equity / Assets
18.72%
Rank 85 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.60% | 1.01% | 1.45% | Beats 51% | 306 / 629 | ||
| Return on Equity | 5.53% | 5.38% | 9.30% | 13.28% | Beats 26% | 467 / 629 | ||
| Net Interest Margin | 4.17% | 3.03% | 3.54% | 4.05% | Beats 81% | 121 / 629 | ||
| Efficiency Ratio | 66.46% | 58.35% | 67.79% | 79.08% | Beats 55% | 284 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.09% | 0.46% | 1.20% | Beats 49% | 299 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 67% | 195 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.40% | 11.24% | 13.84% | 18.77% | Beats 81% | 118 / 629 | ||
| Total Risk-Based Capital Ratio | 23.34% | 11.58% | 14.43% | 19.66% | Beats 82% | 116 / 629 | ||
| Equity / Assets | 18.72% | 9.09% | 10.65% | 13.80% | Beats 86% | 85 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 103.08% | 67.24% | 80.90% | 93.48% | 90th pctl | 62 / 594 | ||
| Loans / Assets | 81.77% | 53.31% | 67.71% | 78.15% | 86th pctl | 91 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||