Woodsboro, MD · Cert 5873
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.1% share · #39 of 71 inst. · $0.4B of $301.4B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.95% | 0.97% | 1.16% | 1.11% | +22 bps | |
| Return on Equity | 15.47% | 15.89% | 15.75% | 16.54% | 15.86% | +39 bps | |
| Net Interest Margin | 3.62% | 3.63% | 3.69% | 3.88% | 3.86% | +24 bps | |
| Efficiency Ratio | 67.52% | 66.05% | 63.64% | 63.54% | 62.55% | -497 bps | |
| Non-Interest Burden | 2.31% | 2.26% | 2.20% | 2.33% | 2.27% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.54% | -0.25% | 3.90% | 5.91% | 5.41% | +187 bps | |
| Loan Growth (YoY) | 8.39% | 7.34% | 5.51% | 4.27% | 6.85% | -155 bps | |
| Deposit Growth (YoY) | 1.64% | -1.02% | 1.63% | 4.77% | 4.92% | +328 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.00% | 0.10% | 0.10% | 0.09% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | -0.04% | -0.02% | -2 bps | |
| Allowance / Loans | 1.13% | 1.11% | 1.18% | 1.18% | 1.17% | +4 bps | |
| Allowance Coverage of NPLs | 12.1x | n/a | 11.8x | 12.0x | 12.5x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.19% | 8.33% | 8.54% | 8.76% | 8.77% | +58 bps | |
| Total Risk-Based Capital | 13.18% | 13.50% | 13.74% | 13.72% | 13.46% | +28 bps | |
| Equity / Assets | 6.00% | 6.50% | 7.01% | 6.97% | 7.08% | +108 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.69% | 76.33% | 78.73% | 76.39% | 77.08% | +139 bps | |
| Liquid Assets / Assets | 7.20% | 4.95% | 3.70% | 3.67% | 4.77% | -243 bps | |
| CRE / Total Capital | n/a | 448% | 448% | 446% | n/a | n/a | |