The Glen Burnie Mutual Savings Bank
Total assets
$103.9M
▼ -1.9% YoY
Deposits
$93.8M
▼ -2.4% YoY
Loans
$83.5M
▲ +1.5% YoY
Offices
1
ROA (annualized)
0.23%
peers 1.24%
ROE (annualized)
2.55%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +4.4% | -6.2 pts |
| Deposit growth (YoY) | -2.4% | +4.0% | -6.3 pts |
| Loan growth (YoY) | +1.5% | +5.6% | -4.1 pts |
| ROA | 0.23% | 1.24% | -1.0 pts |
| ROE | 2.5% | 11.9% | -9.3 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
Profile
- Established
- 1896
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Mortgage Lending Specialization
- Address
- 1 Crain Hwy S, Glen Burnie, MD, 21061
- County
- Anne Arundel
- Metro area
- Baltimore-Columbia-Towson, MD
- Offices
- 1
- FDIC cert #
- 27567
- RSSD ID
- 508270
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $103.9M | $93.8M | $83.5M | $9.3M | $118K | 0.23% | 1.32% | 0.56% |
| Q1 2026 | $104.4M | $95.1M | $84.1M | $9.2M | $51K | 0.20% | 1.36% | 0.56% |
| Q4 2025 | $104.3M | $94.3M | $85.0M | $9.2M | $250K | 0.24% | 1.32% | 0.56% |
| Q3 2025 | $105.1M | $95.9M | $84.1M | $9.1M | $165K | 0.21% | 1.30% | 0.74% |
| Q2 2025 | $105.9M | $96.1M | $82.3M | $9.0M | $109K | 0.21% | 1.28% | 1.11% |
| Q1 2025 | $105.3M | $96.2M | $83.8M | $9.0M | $45K | 0.17% | 1.25% | 0.60% |
| Q4 2024 | $105.0M | $95.2M | $84.5M | $8.9M | $275K | 0.26% | 1.29% | 0.60% |
| Q3 2024 | $105.0M | $96.0M | $85.8M | $8.8M | $189K | 0.24% | 1.30% | 0.61% |
Loan mix (Q2 2026): real estate $83.9M · commercial $0 · consumer $0 · securities $750K
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.32% | 3.96% | 0th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 62.9% | 81th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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