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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 1.80% | 2.26% | 0.46% | 1.56% | +16 bps | |
| Return on Equity | 6.81% | 8.57% | 11.66% | 2.58% | 8.53% | +173 bps | |
| Net Interest Margin | 4.27% | 4.36% | 4.46% | 4.02% | 4.27% | 0 bps | |
| Efficiency Ratio | 55.11% | 55.79% | 48.68% | 78.71% | 53.76% | -134 bps | |
| Non-Interest Burden | 2.20% | 2.28% | 1.98% | 3.09% | 2.19% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.37% | 1.98% | -0.12% | -1.37% | -3.54% | -491 bps | |
| Loan Growth (YoY) | 6.98% | 7.62% | 2.28% | -1.97% | -5.45% | -1,243 bps | |
| Deposit Growth (YoY) | 0.56% | 0.69% | 0.43% | -1.16% | -0.86% | -142 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.58% | 0.47% | 0.30% | 0.35% | 0.48% | -10 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 1.22% | 1.10% | 0.85% | 0.87% | 0.87% | -34 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.3x | 2.9x | 2.5x | 1.8x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.75% | 19.97% | 16.44% | 16.81% | 17.13% | -262 bps | |
| Total Risk-Based Capital | 25.70% | 26.75% | 22.06% | 22.20% | 23.34% | -236 bps | |
| Equity / Assets | 20.87% | 21.10% | 17.74% | 17.96% | 18.72% | -216 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.09% | 108.47% | 109.47% | 107.10% | 103.08% | -500 bps | |
| Liquid Assets / Assets | 6.35% | 7.02% | 6.18% | 8.14% | 7.58% | +124 bps | |
| CRE / Total Capital | n/a | 243% | 296% | 289% | n/a | n/a | |