| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +4.4% | +8.3 pts |
| Deposit growth (YoY) | +12.5% | +4.0% | +8.6 pts |
| Loan growth (YoY) | +25.5% | +5.6% | +19.9 pts |
| ROA | -0.07% | 1.24% | -1.3 pts |
| ROE | -1.2% | 11.9% | -13.0 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $394.9M | $357.0M | $264.5M | $21.3M | $-125K | -0.07% | 3.36% | 0.17% |
| Q1 2026 | $380.4M | $357.5M | $239.8M | $20.9M | $115K | 0.12% | 3.43% | 0.17% |
| Q4 2025 | $359.9M | $332.4M | $228.5M | $21.3M | $185K | 0.05% | 3.31% | 0.35% |
| Q3 2025 | $351.7M | $329.1M | $212.8M | $20.6M | $233K | 0.09% | 3.29% | 0.34% |
| Q2 2025 | $350.6M | $317.3M | $210.8M | $18.9M | $58K | 0.03% | 3.20% | 0.30% |
| Q1 2025 | $357.9M | $317.3M | $204.7M | $19.1M | $198K | 0.22% | 3.08% | 0.32% |
| Q4 2024 | $358.9M | $309.2M | $202.4M | $17.7M | $111K | 0.03% | 3.27% | 0.10% |
| Q3 2024 | $368.3M | $314.3M | $204.2M | $21.1M | $97K | 0.04% | 3.25% | 0.08% |
Loan mix (Q2 2026): real estate $166.2M · commercial $44.1M · consumer $57.3M · securities $102.1M
| Ratio | The Bank of Glen Burnie | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.07% | 1.24% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.4% | 62.9% | 97th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Bank of Glen Burnie | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Bank of Glen Burnie | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Bank of Glen Burnie | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Bank of Glen Burnie | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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