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 (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 | 0.82% | 1.18% | 0.98% | 0.82% | 1.05% | 1.04% | 1.16% | 1.07% | +25 bps | |
| Return on Equity | 15.87% | 21.56% | 17.23% | 13.77% | 16.75% | 15.41% | 16.54% | 15.26% | +149 bps | |
| Net Interest Margin | 3.32% | 3.53% | 3.66% | 3.67% | 3.75% | 3.90% | 3.88% | 3.95% | +27 bps | |
| Efficiency Ratio | 67.64% | 58.70% | 67.40% | 67.64% | 63.25% | 57.02% | 63.54% | 61.61% | -603 bps | |
| Non-Interest Burden | 2.12% | 1.83% | 2.33% | 2.35% | 2.22% | 2.02% | 2.33% | 2.28% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.96% | 6.41% | 4.96% | 3.54% | -0.25% | 3.90% | 5.91% | 5.41% | +187 bps | |
| Loan Growth (YoY) | 12.54% | 11.40% | 9.31% | 8.39% | 7.34% | 5.51% | 4.27% | 6.85% | -155 bps | |
| Deposit Growth (YoY) | 10.68% | 5.96% | 3.78% | 1.64% | -1.02% | 1.63% | 4.77% | 4.92% | +328 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.00% | 0.00% | 0.09% | 0.00% | 0.10% | 0.10% | 0.09% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | -0.02% | 0.00% | 0.01% | 0.00% | 0.00% | -0.04% | 0.00% | -1 bps | |
| Allowance / Loans | 1.13% | 1.14% | 1.13% | 1.13% | 1.11% | 1.18% | 1.18% | 1.17% | +4 bps | |
| Allowance Coverage of NPLs | 34.9x | n/a | n/a | 12.1x | n/a | 11.8x | 12.0x | 12.5x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.55% | 7.87% | 8.21% | 8.19% | 8.33% | 8.54% | 8.76% | 8.77% | +58 bps | |
| Total Risk-Based Capital | 12.64% | 12.80% | 12.97% | 13.18% | 13.50% | 13.74% | 13.72% | 13.46% | +28 bps | |
| Equity / Assets | 5.47% | 5.49% | 5.89% | 6.00% | 6.50% | 7.01% | 6.97% | 7.08% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.39% | 75.83% | 76.75% | 75.69% | 76.33% | 78.73% | 76.39% | 77.08% | +139 bps | |
| Liquid Assets / Assets | 9.02% | 3.21% | 3.43% | 7.20% | 4.95% | 3.70% | 3.67% | 4.77% | -243 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 448% | 448% | 446% | n/a | n/a | |