Rank the Banks Report Maryland. First Quarter 2015

Transcription

1 Report First Quarter 2015

2 Table of Contents: 1) Bank Listing (Page 5-6) Report - Company Name - City - Parent Company - Date Established - Number of Offices - Total Employees - S corp? - - ROAA - ROAE 2) Ranking by - Top 50 (Page 7) City - Total Employees- Number of Offices - Total Deposits - Deposits/Office - Assets/Office - Deposits/Employee - Assets/Employee - Total Assets 3) Ranking by Net Interest Margin - Top 50 (Page 8) City - - Yield on Loans - Loan Growth Rate - Cost of Funds - Deposit Growth Rate - Loans/Deposits - Yield on Investment Securities (FTE) - Net Interest Margin 4) Ranking by Noninterest Income - Top 50 (Page 9) City - - Net Income - Service Charge on Deposits/Avg Assets - Gain on Sale of Loans/Avg. Assets - Net Servicing Fees/Avg Assets - Net Gains on OREO/Avg. Assets - Total Noninterest Income - Noninterest Income/Avg Assets 5) Ranking by Total Overhead - Top 50 (Page 10) City - - Efficiency Ratio (FTE) - Total Employees - Number of Offices - Personnel Expense/Avg. Assets - Occupancy Expense/Avg. Assets - Other Expense/Avg. Assets - Total Overhead/Avg Assets 6) Ranking by Asset Quality - Top 50 (Page 11) City - - Gross Loans - LLR/Gross Loans - Adj Loans 30-89PD/Gross Loans - Adj 90+ PD/Gross Loans - Adj NPLs + Adj OREO/Gross Loans - NCO/Avg Loans - Asset Quality Composite 7) Ranking by ROAE - Top 50 (Page 12) City - - LTM Net Income - Total Employees - LTM Net Income/Employee Q1 LTM Net Income Q1 LTM Net Income - ROAA - ROAE 8) Overall Ranking - Top 50 (Page 13) City - - Net Interest Margin - Noninterest Income - Total Overhead - Asset Quality - ROAE - Overall Ranking Belief Strength Purpose

3 Report - Excluded Banks: Excluded banks are usually special-purpose banks (such as trust banks), subsidiaries of foreign companies, or companies for which necessary data is not available as of this report Investment Counsel & Trust Company, National Association Calculation Notes: All data in this report is bank-level and is as of or for the twelve months ending March 31, For banks that elect subchapter S status, return on average assets and return on average equity are adjusted to reflect the impact of a 34% corporate tax rate on net income Asset quality index is the sum of: (Adjusted Loans PD/Loans) + (Adjusted Loans 90 PD/Loans )+ (Adjusted NPLs + Adjusted OREO/Loans) + (Net Chargeoffs/Avg Loans). Adjustments are made to exclude loans for which repayment of principal is wholly or partially guaranteed by the US government Overall ranking is based on an unweighted average of Net Interest Margin rank, Noninterest Income rank, Total Overhead rank, Asset Quality rank and ROAE rank Belief Strength Purpose

4 Report - Banks Street Partners Team BSP Services BSP Downloads Lee Burrows lburrows@banksstreetpartners.com Gary McNorrill gmcnorrill@banksstreetpartners.com Mark Saunders msaunders@banksstreetpartners.com Jeff Adams jadams@banksstreetpartners.com Will Brackett wbrackett@banksstreetpartners.com Joe Maloney jmaloney@banksstreetpartners.com Matt Kennedy mkennedy@banksstreetpartners.com William Izlar wizlar@banksstreetpartners.com Berkeley McKeowen bmckeown@banksstreetpartners.com Mergers and Acquisitions Capital Raising Initiatives Branch Sales and Purchases Failed Bank Acquisitions 363 Bankruptcy Transactions Strategic Planning Valuations and Fairness Opinions Board and Management Consulting Financial Modeling Disposition of Distressed Assets TARP/Preferred Stock and SBLF Repayment Plans Share Repurchase Plans and Modified Dutch Auctions 1380 West Paces Ferry Rd. NW Suite 2060 Atlanta, GA (404) // 200 Providence Road, Suite 210 Charlotte, NC (704) Belief Strength Purpose Southeastern Publicly Traded Data Southeastern M&A Bank Data Quarterly Texas Ratio Analysis Visit p-downloads/ to access and download all available material

5 Bank Listing Company Name City Parent Company Date Established Number of Offices Total Employees S Corp (Yes/No) 1880 Bank Cambridge Delmarva Bancshares, Inc. 1/1/ No 194, American Bank Bethesda American Bank Holdings, Inc. 06/06/ No 416, Arundel Federal Savings Bank Glen Burnie 01/01/ No 468, Bank of Delmarva Salisbury Delmar Bancorp 5/4/ No 458, Bank of Glen Burnie Glen Burnie Glen Burnie Bancorp 08/17/ No 400, Bank of Ocean City Ocean City 01/01/ No 249, Bay Bank, FSB Lutherville Bay Bancorp, Inc. 07/10/ No 487, Bay-Vanguard FSB (MHC) Sparrows Point Bay-Vanguard, M.H.C. 9/1/ No 170, BlueRidge Bank Frederick 04/16/ No 201, Calvin B. Taylor Banking Company of Berlin, Berlin Calvin B. Taylor Bankshares, Inc. 1/1/ No 454, Capital Bank, National Association Rockville Capital Bancorp, Inc. 12/14/ No 663, Carroll Community Bank Sykesville Carroll Bancorp, Inc. 1/1/ No 120, Cecil Bank Elkton Cecil Bancorp, Inc. 10/07/ No 323, CFG Community Bank Baltimore Capital Funding Bancorp, Inc. 01/01/ Yes 775, Chesapeake Bank & Trust Company Chestertown Chesapeake Bancorp 12/15/ Yes 96, Chesapeake Bank of Baltimore Banks of the Chesapeake, MHC 01/01/ No 172, CNB Centreville Shore Bancshares, Inc. 6/1/ No 481, Colombo Bank Rockville 07/01/ No 203, Columbia Bank Columbia Fulton Financial Corporation 05/12/ No 2,129, Community Bank of the Chesapeake Waldorf Community Financial Corporation 01/01/ No 1,086, Congressional Bank Bethesda Congressional Bancshares, Inc. 10/17/ No 455, County First Bank La Plata 03/28/ No 217, Damascus Community Bank Damascus 07/01/ No 289, EagleBank Bethesda Eagle Bancorp, Inc. 07/20/ No 5,476, Eastern Savings Bank, FSB Hunt Valley 05/29/ Yes 392, Easton Bank & Trust Company Easton Easton Bancorp, Inc. 07/01/ Yes 133, Fairmount Bank Baltimore Fairmount Bancorp, Inc. 4/4/ No 78, Farmers and Merchants Bank Upperco 10/24/ No 327, Farmers Bank of Willards Willards 01/03/ No 303, First Mariner Bank Baltimore 01/01/ No 829, First Shore Federal Savings and Loan Association Salisbury 12/18/ No 301, First United Bank & Trust Oakland First United Corporation 01/02/ No 1,334, Fraternity Federal Savings and Loan Association Baltimore Fraternity Community Bancorp, Inc. 01/01/ No 163, Frederick County Bank Frederick Frederick County Bancorp, Inc. 10/18/ No 350, Glen Burnie Mutual Savings Bank Glen Burnie 5/5/ No 84, Hamilton Bank Towson Hamilton Bancorp, Inc. 01/01/ No 285, Harbor Bank of Baltimore Harbor Bankshares Corporation 09/13/ No 231, Harford Bank Aberdeen 05/01/ No 301, Hebron Savings Bank Hebron HSB Bancorp, Inc. 06/11/ No 542, Homewood Federal Savings Bank Baltimore 01/01/ No 63, Hopkins Federal Savings Bank Baltimore Hopkins Bancorp, Inc. 04/04/ Yes 256, Howard Bank Ellicott City Howard Bancorp, Inc. 08/09/ No 710, Jarrettsville Federal Savings and Loan Association Jarrettsville 12/11/ No 114, Kopernik Federal Bank Baltimore 04/04/ No 68, Kosciuszko Federal Savings Bank Baltimore 6/6/ No 12, Liberty Bank of Baltimore 1/1/ No 38, Madison Bank of Forest Hill MB Bancorp, Inc. 05/04/ No 141, Financial Bank Towson 10/25/ No 56, Middletown Valley Bank Middletown 01/04/ No 185, Midstate Community Bank Baltimore 4/4/ No 176, ROAA ROAE 5 of 13

6 Bank Listing Company Name City Parent Company Date Established Number of Offices Total Employees S Corp (Yes/No) Monument Bank Rockville 09/06/ No 463, New Windsor State Bank Taneytown New Windsor Bancorp, Inc. 09/03/ No 285, North Arundel Savings Bank, FSB Pasadena 01/01/ No 43, Old Line Bank Bowie Old Line Bancshares, Inc. 09/28/ No 1,267, Patapsco Bank Dundalk Patapsco Bancorp, Inc. 01/01/ No 220, Peoples Bank Chestertown Peoples Bancorp, Inc. 10/01/ No 229, Presidential Bank, FSB Bethesda Presidential Holdings, Inc. 04/15/ No 565, Provident State Bank, Inc. Preston PSB Holding Corporation 03/26/ No 292, Queenstown Bank of Queenstown Queenstown Bancorp of, Inc. 7/1/ No 436, Regal Bank & Trust Owings Mills Regal Bancorp, Inc. 04/04/ No 138, Revere Bank Laurel 11/20/ No 716, Rosedale Federal Savings and Loan Association Baltimore 01/01/ No 806, Saint Casimir's Savings Bank Baltimore 08/09/ No 95, Sandy Spring Bank Olney Sandy Spring Bancorp, Inc. 4/13/ No 4,399, Severn Savings Bank, FSB Annapolis Severn Bancorp, Inc. 01/01/ No 778, Talbot Bank of Easton, Easton Shore Bancshares, Inc. 6/8/ No 590, Woodsboro Bank Woodsboro 5/1/ No 232, ROAA ROAE 6 of 13

7 Rank Company Name City Total Employees Number of Offices Total Deposits Deposits / Office Assets / Office Deposits / Employee Assets / Employee 1 EagleBank Bethesda ,721, , ,922 11,189 12,977 5,476,287 2 Sandy Spring Bank Olney ,113,215 69,183 97,756 4,360 6,161 4,399,036 3 Columbia Bank Columbia ,676,246 50,795 64,534 6,625 8,417 2,129,616 4 First United Bank & Trust Oakland ,001,402 40,056 53,372 3,016 4,019 1,334,307 5 Old Line Bank Bowie ,054,946 55,523 66,715 4,862 5,841 1,267,582 6 Community Bank of the Chesapeake Waldorf ,723 71,310 90,570 4,754 6,038 1,086,838 7 First Mariner Bank Baltimore ,441 39,413 46,103 1,862 2, ,848 8 Rosedale Federal Savings and Loan Association Baltimore ,753 67,861 89,572 6,862 9, ,146 9 Severn Savings Bank, FSB Annapolis , , ,619 3,567 5, , CFG Community Bank Baltimore , , ,367 7,217 7, , Revere Bank Laurel , , ,392 6,677 7, , Howard Bank Ellicott City ,870 41,562 50,733 2,771 3, , Capital Bank, National Association Rockville , , ,276 3,797 4, , Talbot Bank of Easton, Easton ,989 86,498 98,425 7,013 7, , Presidential Bank, FSB Bethesda ,102 49,910 56,521 1,764 1, , Hebron Savings Bank Hebron ,814 36,485 45,210 3,648 4, , Bay Bank, FSB Lutherville ,353 31,104 37,466 2,643 3, , CNB Centreville ,406 35,617 40,140 4,317 4, , Arundel Federal Savings Bank Glen Burnie ,566 57,938 66,982 5,408 6, , Monument Bank Rockville , , ,438 4,907 6, , Bank of Delmarva Salisbury ,414 32,868 38,200 3,522 4, , Congressional Bank Bethesda ,287 76,457 91,182 5,973 7, , Calvin B. Taylor Banking Company of Berlin, Berlin ,326 37,133 45,401 4,172 5, , Queenstown Bank of Queenstown ,427 48,178 54,624 3,854 4, , American Bank Bethesda ,482 58,496 83,245 1,367 1, , Bank of Glen Burnie Glen Burnie ,227 43,153 50,019 3,487 4, , Eastern Savings Bank, FSB Hunt Valley ,478 60,496 78,564 2,701 3, , Frederick County Bank Frederick ,553 58,911 70,053 4,208 5, , Farmers and Merchants Bank Upperco ,067 37,581 46,797 3,813 4, , Cecil Bank Elkton ,461 28,162 35,910 4,447 5, , Farmers Bank of Willards Willards ,699 29,837 37,957 3,141 3, , First Shore Federal Savings and Loan Association Salisbury ,479 27,831 33,511 3,431 4, , Harford Bank Aberdeen ,785 29,848 37,662 3,461 4, , Provident State Bank, Inc. Preston ,089 35,441 41,765 3,759 4, , Damascus Community Bank Damascus ,485 51,897 57,980 3,655 4, , New Windsor State Bank Taneytown ,079 41,847 47,663 3,348 3, , Hamilton Bank Towson ,249 57,062 71,251 4,150 5, , Hopkins Federal Savings Bank Baltimore , , ,491 6,915 8, , Bank of Ocean City Ocean City ,935 36,823 41,584 4,332 4, , Woodsboro Bank Woodsboro ,973 28,853 33,268 3,015 3, , Harbor Bank of Baltimore ,962 28,280 33,030 3,093 3, , Peoples Bank Chestertown ,825 32,138 38,197 2,878 3, , Patapsco Bank Dundalk ,012 45,753 55,164 4,357 5, , County First Bank La Plata ,665 31,944 36,298 3,912 4, , Colombo Bank Rockville ,091 29,618 40,729 2,848 3, , BlueRidge Bank Frederick ,469 88, ,801 6,302 7, , Bank Cambridge ,972 55,991 64,774 5,090 5, , Middletown Valley Bank Middletown ,483 31,897 37,015 2,953 3, , Midstate Community Bank Baltimore , , ,154 9,496 11, , Chesapeake Bank of Baltimore ,641 37,660 43,138 3,503 4, ,550 7 of 13

8 Net Interest Margin Rank Company Name City Yield on Loans Loan Growth Rate Cost of Funds Deposit Growth Rate Loans/ Deposits Yield on Investment Securities (FTE) 1 Capital Bank, National Association Rockville 663, Bay Bank, FSB Lutherville 487, Eastern Savings Bank, FSB Hunt Valley 392, CFG Community Bank Baltimore 775, EagleBank Bethesda 5,476, Farmers and Merchants Bank Upperco 327, Farmers Bank of Willards Willards 303, Bay-Vanguard FSB (MHC) Sparrows Point 170, Congressional Bank Bethesda 455, Harbor Bank of Baltimore 231, Howard Bank Ellicott City 710, Easton Bank & Trust Company Easton 133, Queenstown Bank of Queenstown 436, Bank of Delmarva Salisbury 458, Hebron Savings Bank Hebron 542, Revere Bank Laurel 716, Harford Bank Aberdeen 301, Old Line Bank Bowie 1,267, Fairmount Bank Baltimore 78, North Arundel Savings Bank, FSB Pasadena 43, Monument Bank Rockville 463, Regal Bank & Trust Owings Mills 138, Damascus Community Bank Damascus 289, Rosedale Federal Savings and Loan Association Baltimore 806, Provident State Bank, Inc. Preston 292, Community Bank of the Chesapeake Waldorf 1,086, Carroll Community Bank Sykesville 120, New Windsor State Bank Taneytown 285, Chesapeake Bank & Trust Company Chestertown 96, Kosciuszko Federal Savings Bank Baltimore 12, Frederick County Bank Frederick 350, CNB Centreville 481, Homewood Federal Savings Bank Baltimore 63, Middletown Valley Bank Middletown 185, County First Bank La Plata 217, Bank of Ocean City Ocean City 249, Chesapeake Bank of Baltimore 172, Financial Bank Towson 56, Liberty Bank of Baltimore 38, BlueRidge Bank Frederick 201, Patapsco Bank Dundalk 220, First Shore Federal Savings and Loan Association Salisbury 301, Severn Savings Bank, FSB Annapolis 778, Sandy Spring Bank Olney 4,399, Columbia Bank Columbia 2,129, Presidential Bank, FSB Bethesda 565, Bank Cambridge 194, Woodsboro Bank Woodsboro 232, Talbot Bank of Easton, Easton 590, Calvin B. Taylor Banking Company of Berlin, Berlin 454, Net Interest Margin 8 of 13

9 Noninterest Income Rank Company Name City Net Income Service Charges on Deposits / Avg Assets Gain on Sale of Loans/ Avg Asset Net Servicing Fees/ Avg Assets Net Gains on OREO/ Avg Assets Total Noninterest Income 1 Presidential Bank, FSB Bethesda 565,211 2, , American Bank Bethesda 416,223 1, , Howard Bank Ellicott City 710,266 11, , First Mariner Bank Baltimore 829,848-4, , Capital Bank, National Association Rockville 663,827 7, , Bay Bank, FSB Lutherville 487,055 3, , Peoples Bank Chestertown 229, , Sandy Spring Bank Olney 4,399,036 39, , CFG Community Bank Baltimore 775,101 9, , Damascus Community Bank Damascus 289,900 1, , First United Bank & Trust Oakland 1,334,307 5, , CNB Centreville 481,685 2, , Harbor Bank of Baltimore 231, , Columbia Bank Columbia 2,129,616 15, , Chesapeake Bank & Trust Company Chestertown 96,752 1, New Windsor State Bank Taneytown 285,979 1, , Eastern Savings Bank, FSB Hunt Valley 392, , Easton Bank & Trust Company Easton 133, Woodsboro Bank Woodsboro 232, , Severn Savings Bank, FSB Annapolis 778,477 4, , Old Line Bank Bowie 1,267,582 8, , Middletown Valley Bank Middletown 185, Bank of Delmarva Salisbury 458,404 3, , EagleBank Bethesda 5,476,287 64, , Calvin B. Taylor Banking Company of Berlin, Berlin 454,014 4, , Bank Cambridge 194,321 1, Chesapeake Bank of Baltimore 172, Financial Bank Towson 56, Frederick County Bank Frederick 350,267 1, , Community Bank of the Chesapeake Waldorf 1,086,838 7, , Harford Bank Aberdeen 301,297 2, , Farmers and Merchants Bank Upperco 327,582 3, , Talbot Bank of Easton, Easton 590,550 2, , Regal Bank & Trust Owings Mills 138, Bank of Ocean City Ocean City 249,503 2, County First Bank La Plata 217, Provident State Bank, Inc. Preston 292,353 1, , Congressional Bank Bethesda 455,909 3, , Bank of Glen Burnie Glen Burnie 400,152 1, , Colombo Bank Rockville 203,644-1, Bay-Vanguard FSB (MHC) Sparrows Point 170, Hebron Savings Bank Hebron 542,525 2, , Patapsco Bank Dundalk 220,656 2, Saint Casimir's Savings Bank Baltimore 95, Hamilton Bank Towson 285, Queenstown Bank of Queenstown 436,989 3, Farmers Bank of Willards Willards 303,656 1, First Shore Federal Savings and Loan Association Salisbury 301,596 1, Fraternity Federal Savings and Loan Association Baltimore 163, Carroll Community Bank Sykesville 120, Noninterest Income/ Avg Assets 9 of 13

10 Total Overhead Rank Company Name City Efficiency Ratio (FTE) Total Employees Number of Offices Personnel Expense/ Avg. Assets Occupancy Expense/ Avg. Assets Other Expense/ Avg. Assets Total Overhead/ Avg. Assets 1 Glen Burnie Mutual Savings Bank Glen Burnie 84, Rosedale Federal Savings and Loan Association Baltimore 806, Hopkins Federal Savings Bank Baltimore 256, Midstate Community Bank Baltimore 176, Kopernik Federal Bank Baltimore 68, Calvin B. Taylor Banking Company of Berlin, Berlin 454, Homewood Federal Savings Bank Baltimore 63, Arundel Federal Savings Bank Glen Burnie 468, Queenstown Bank of Queenstown 436, Bank of Ocean City Ocean City 249, Hebron Savings Bank Hebron 542, EagleBank Bethesda 5,476, Talbot Bank of Easton, Easton 590, Revere Bank Laurel 716, Community Bank of the Chesapeake Waldorf 1,086, Fairmount Bank Baltimore 78, First Shore Federal Savings and Loan Association Salisbury 301, Chesapeake Bank & Trust Company Chestertown 96, North Arundel Savings Bank, FSB Pasadena 43, Columbia Bank Columbia 2,129, Farmers and Merchants Bank Upperco 327, Provident State Bank, Inc. Preston 292, Saint Casimir's Savings Bank Baltimore 95, Fraternity Federal Savings and Loan Association Baltimore 163, Farmers Bank of Willards Willards 303, Bank Cambridge 194, Bank of Glen Burnie Glen Burnie 400, Old Line Bank Bowie 1,267, Jarrettsville Federal Savings and Loan Association Jarrettsville 114, Sandy Spring Bank Olney 4,399, First United Bank & Trust Oakland 1,334, Monument Bank Rockville 463, Congressional Bank Bethesda 455, Harford Bank Aberdeen 301, Patapsco Bank Dundalk 220, Bay-Vanguard FSB (MHC) Sparrows Point 170, Madison Bank of Forest Hill 141, BlueRidge Bank Frederick 201, Severn Savings Bank, FSB Annapolis 778, County First Bank La Plata 217, Bank of Delmarva Salisbury 458, Hamilton Bank Towson 285, Frederick County Bank Frederick 350, Carroll Community Bank Sykesville 120, Chesapeake Bank of Baltimore 172, Woodsboro Bank Woodsboro 232, Damascus Community Bank Damascus 289, CNB Centreville 481, New Windsor State Bank Taneytown 285, Cecil Bank Elkton 323, of 13

11 Asset Quality Rank Company Name City Gross Loans Loan Loss Reserves/ Gross Loans Adj 30-89PD/ Gross Loans Adj 90+PD/ Gross Loans Adj NPLs + Adj OREO/ Gross Loans Net Chargeoffs/ Avg Loans 1 BlueRidge Bank Frederick 201, , Revere Bank Laurel 716, , Carroll Community Bank Sykesville 120,236 98, Farmers and Merchants Bank Upperco 327, , EagleBank Bethesda 5,476,287 4,519, Old Line Bank Bowie 1,267, , New Windsor State Bank Taneytown 285, , CFG Community Bank Baltimore 775, , Arundel Federal Savings Bank Glen Burnie 468, , Sandy Spring Bank Olney 4,399,036 3,178, Bank of Ocean City Ocean City 249, , Glen Burnie Mutual Savings Bank Glen Burnie 84,455 62, Frederick County Bank Frederick 350, , Capital Bank, National Association Rockville 663, , Chesapeake Bank of Baltimore 172, , Howard Bank Ellicott City 710, , Bank of Glen Burnie Glen Burnie 400, , Woodsboro Bank Woodsboro 232, , Homewood Federal Savings Bank Baltimore 63,143 50, Fraternity Federal Savings and Loan Association Baltimore 163, , Patapsco Bank Dundalk 220, , Middletown Valley Bank Middletown 185, , Columbia Bank Columbia 2,129,616 1,407, Congressional Bank Bethesda 455, , Colombo Bank Rockville 203, , North Arundel Savings Bank, FSB Pasadena 43,123 31, First Shore Federal Savings and Loan Association Salisbury 301, , Community Bank of the Chesapeake Waldorf 1,086, , CNB Centreville 481, , Provident State Bank, Inc. Preston 292, , Calvin B. Taylor Banking Company of Berlin, Berlin 454, , Monument Bank Rockville 463, , Regal Bank & Trust Owings Mills 138,946 99, Financial Bank Towson 56,820 40, Fairmount Bank Baltimore 78,944 54, Bay Bank, FSB Lutherville 487, , Jarrettsville Federal Savings and Loan Association Jarrettsville 114,969 90, Harford Bank Aberdeen 301, , First Mariner Bank Baltimore 829, , Damascus Community Bank Damascus 289, , Hamilton Bank Towson 285, , Rosedale Federal Savings and Loan Association Baltimore 806, , First United Bank & Trust Oakland 1,334, , Saint Casimir's Savings Bank Baltimore 95,430 18, Queenstown Bank of Queenstown 436, , Bank of Delmarva Salisbury 458, , Kosciuszko Federal Savings Bank Baltimore 12,000 8, Bay-Vanguard FSB (MHC) Sparrows Point 170, , Talbot Bank of Easton, Easton 590, , Severn Savings Bank, FSB Annapolis 778, , Asset Quality Composite 11 of 13

12 Return on Average Equity Rank Company Name City LTM Net Income Total Employees LTM Net Income / Employee 2014Q1 LTM Net Income 2013Q1 LTM Net Income 1 Howard Bank Ellicott City 710,266 11, ,036 1, Capital Bank, National Association Rockville 663,827 7, ,036 5, EagleBank Bethesda 5,476,287 64, ,565 40, Farmers and Merchants Bank Upperco 327,582 3, ,238 3, Patapsco Bank Dundalk 220,656 2, , Revere Bank Laurel 716,962 4, ,183 3, Chesapeake Bank & Trust Company Chestertown 96,752 1, ,418 1, Congressional Bank Bethesda 455,909 3, ,082 1, Harford Bank Aberdeen 301,297 2, ,841 1, CFG Community Bank Baltimore 775,101 9, ,261 7, Queenstown Bank of Queenstown 436,989 3, ,650 1, Bank of Ocean City Ocean City 249,503 2, ,177 2, Sandy Spring Bank Olney 4,399,036 39, ,535 39, Provident State Bank, Inc. Preston 292,353 1, ,609 1, Bank of Delmarva Salisbury 458,404 3, , Hebron Savings Bank Hebron 542,525 2, ,573 2, New Windsor State Bank Taneytown 285,979 1, , Old Line Bank Bowie 1,267,582 8, ,125 7, Community Bank of the Chesapeake Waldorf 1,086,838 7, ,530 6, Presidential Bank, FSB Bethesda 565,211 2, , Calvin B. Taylor Banking Company of Berlin, Berlin 454,014 4, ,229 4, Bank Cambridge 194,321 1, ,822-1, CNB Centreville 481,685 2, ,504 2, North Arundel Savings Bank, FSB Pasadena 43, Kopernik Federal Bank Baltimore 68, Bank of Glen Burnie Glen Burnie 400,152 1, ,609 2, Frederick County Bank Frederick 350,267 1, ,988 1, Rosedale Federal Savings and Loan Association Baltimore 806,146 9, ,336 8, Bay Bank, FSB Lutherville 487,055 3, , Columbia Bank Columbia 2,129,616 15, ,396 17, Damascus Community Bank Damascus 289,900 1, , Farmers Bank of Willards Willards 303,656 1, ,400 1, Midstate Community Bank Baltimore 176, , Monument Bank Rockville 463,313 1, ,196 3, American Bank Bethesda 416,223 1, , Severn Savings Bank, FSB Annapolis 778,477 4, ,785 4, Bay-Vanguard FSB (MHC) Sparrows Point 170, Homewood Federal Savings Bank Baltimore 63, Woodsboro Bank Woodsboro 232, First Shore Federal Savings and Loan Association Salisbury 301,596 1, ,676 1, Carroll Community Bank Sykesville 120, Talbot Bank of Easton, Easton 590,550 2, ,352-8, First United Bank & Trust Oakland 1,334,307 5, ,678 12, Peoples Bank Chestertown 229, , Easton Bank & Trust Company Easton 133, , County First Bank La Plata 217, BlueRidge Bank Frederick 201, , Glen Burnie Mutual Savings Bank Glen Burnie 84, Middletown Valley Bank Middletown 185, Chesapeake Bank of Baltimore 172, ROAA ROAE 12 of 13

13 Overall Ranking Rank Company Name City Net Interest Margin Rank Noninterest Income Rank Total Overhead Rank Asset Quality Rank 1 EagleBank Bethesda 5,476, Farmers and Merchants Bank Upperco 327, Capital Bank, National Association Rockville 663, Revere Bank Laurel 716, CFG Community Bank Baltimore 775, Old Line Bank Bowie 1,267, Howard Bank Ellicott City 710, Bank of Ocean City Ocean City 249, Sandy Spring Bank Olney 4,399, Congressional Bank Bethesda 455, New Windsor State Bank Taneytown 285, Community Bank of the Chesapeake Waldorf 1,086, Queenstown Bank of Queenstown 436, Provident State Bank, Inc. Preston 292, Chesapeake Bank & Trust Company Chestertown 96, Harford Bank Aberdeen 301, Columbia Bank Columbia 2,129, Calvin B. Taylor Banking Company of Berlin, Berlin 454, Bay Bank, FSB Lutherville 487, Hebron Savings Bank Hebron 542, Bank of Delmarva Salisbury 458, Frederick County Bank Frederick 350, CNB Centreville 481, Patapsco Bank Dundalk 220, North Arundel Savings Bank, FSB Pasadena 43, Damascus Community Bank Damascus 289, Homewood Federal Savings Bank Baltimore 63, Bank of Glen Burnie Glen Burnie 400, Rosedale Federal Savings and Loan Association Baltimore 806, Carroll Community Bank Sykesville 120, Woodsboro Bank Woodsboro 232, Bay-Vanguard FSB (MHC) Sparrows Point 170, Chesapeake Bank of Baltimore 172, First Shore Federal Savings and Loan Association Salisbury 301, Farmers Bank of Willards Willards 303, Fairmount Bank Baltimore 78, Monument Bank Rockville 463, Bank Cambridge 194, Middletown Valley Bank Middletown 185, First United Bank & Trust Oakland 1,334, BlueRidge Bank Frederick 201, Glen Burnie Mutual Savings Bank Glen Burnie 84, Talbot Bank of Easton, Easton 590, Easton Bank & Trust Company Easton 133, Severn Savings Bank, FSB Annapolis 778, Arundel Federal Savings Bank Glen Burnie 468, Presidential Bank, FSB Bethesda 565, Regal Bank & Trust Owings Mills 138, Harbor Bank of Baltimore 231, Eastern Savings Bank, FSB Hunt Valley 392, ROAE Rank Overall Rank 13 of 13