BlastPoint's Banking Scorecard

The Glen Burnie Mutual Savings Bank

$100M-$1B Specialty: Mortgage MD FDIC cert 27567

Designations: ✓ Mutual

Glen Burnie, MD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 16 in MD.
Deposits -2.4% year over year ($93.8M on the books).
Delinquency rate 0.69%.
Return on assets 0.23%.
Efficiency ratio 76.48% vs a 64.48% peer average.
Loan-to-deposit ratio 88.99% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 16 in MD

View $100M-$1B leaderboard (MD) →

The Glen Burnie Mutual Savings Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 30.6% in tier
- Deposit Outflow: Bottom 44.9% in tier
- Return on Assets 1.10% below tier average
- Net Interest Margin 2.67% below tier average
- Non-Interest-Bearing Deposit Share 22.03% below tier average
- Non-Interest Income / Assets 0.55% below tier average
- Efficiency Ratio 12.00% above tier average

Get updates when The Glen Burnie Mutual Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$103.9M -1.9% YoY -0.5% QoQ	-$282.6M	$386.6M +1.2% YoY	$1.8B +4.0% YoY	$6.3B +7.7% YoY	Bottom 0.9% in tier
Total Loans ?	$83.5M +1.5% YoY -0.7% QoQ	-$174.9M	$258.3M +1.7% YoY	$1.3B +3.8% YoY	$3.2B +9.4% YoY	Bottom 12.0% in tier
Total Deposits ?	$93.8M -2.4% YoY -1.4% QoQ	-$232.9M	$326.7M +0.7% YoY	$1.6B +4.1% YoY	$4.9B +7.3% YoY	Bottom 3.8% in tier
Return on Assets ?	0.23% +9.5% YoY +15.8% QoQ	-1.10%	1.32% +10.8% YoY	0.92% +12.6% YoY	1.30% +12.1% YoY	Bottom 6.1% in tier
Net Interest Margin ?	1.32% +2.8% YoY -3.5% QoQ	-2.67%	3.99% +5.0% YoY	3.72% +5.0% YoY	3.95% +4.9% YoY	Bottom 0.2% in tier
Efficiency Ratio ?	76.48% -1.6% YoY -5.1% QoQ	+12.00%	64.48% -3.2% YoY	67.38% -3.5% YoY	70.05% +2.5% YoY	18%
Delinquency Rate ?	0.69% -51.7% YoY +0.4% QoQ	-0.23%	0.92% +15.7% YoY	1.07% +9.6% YoY	0.98% +16.3% YoY	38%
Loan-to-Deposit Ratio ?	88.99% +4.0% YoY +0.6% QoQ	+11.04%	77.95% +1.0% YoY	87.38% +1.5% YoY	79.03% +2.3% YoY	28%
Non-Interest-Bearing Deposit Share ?	0.00%	-22.03%	22.03% -0.6% YoY	20.47% +3.3% YoY	21.98% -0.6% YoY	Bottom 0.5% in tier
Nonperforming Asset Ratio ?	0.56% -50.1% YoY +0.1% QoQ	-0.11%	0.67% +16.4% YoY	0.90% +8.0% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	18.64% +4.0% YoY +0.9% QoQ	+2.73%	15.91% +1.4% YoY	16.33% +1.1% YoY	17.09% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.02% +23.8% YoY +89.8% QoQ	-0.55%	0.57% +7.6% YoY	0.25% +1.8% YoY	0.66% +5.2% YoY	Bottom 1.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Noninterest-Bearing	n/a	n/a	22.1%	21.3%	22.2%	n/a
Brokered Deposits	n/a	n/a	7.9%	10.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
C&I	n/a	n/a	11.6%	8.9%	12.5%	n/a
CRE	n/a	n/a	39.5%	50.0%	41.4%	n/a
1-4 Family	96.8% +0.9pp YoY 0.0pp QoQ	+64.2pp	32.6%	37.9%	31.3%	99%
Consumer	n/a	n/a	4.1%	3.2%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
CET1 Ratio	18.6% +0.7pp YoY +0.2pp QoQ	-0.2pp	18.8%	16.4%	19.7%	72%
Leverage Ratio	8.8% +0.4pp YoY +0.1pp QoQ	-3.4pp	12.2%	13.0%	12.6%	10%
Total Capital Ratio	19.4% +0.7pp YoY +0.2pp QoQ	-0.6pp	19.9%	17.5%	20.8%	71%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Full-Time Employees	5 0 YoY 0 QoQ	-54	58	170	482	0%
Assets per Employee ($)	$20.8M -1.9% YoY -0.5% QoQ	+$13.3M	$7.5M	$9.4M	$8.8M	99%
Branch Count	1 0 YoY 0 QoQ	-4	4	9	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.7% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.9%	1.1%	1.0%	62%
Allowance Coverage	0.63x +104.2% YoY +0.3% QoQ	-23.52x	24.15x	46.66x	20.23x	15%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
ROE	2.5% +0.1pp YoY +0.3pp QoQ	-9.6pp	12.2%	8.0%	11.6%	7%
Cost of Funds (YTD)	2.9% 0.0pp YoY +0.1pp QoQ	+1.2pp	1.7%	1.9%	1.7%	97%
Net Income ($, YTD)	$118,000 +8.3% YoY — QoQ	-$2.4M	$2.6M	$8.4M	$40.4M	4%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#228 of 742 • Bottom 30.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.64%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 88.99%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#241 of 535 • Bottom 44.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

448

Tier 1 Capital Ratio

capital

Value: 18.64%

Peer Median: 15.91%

#448 of 2643 Top 16.9% in $100M-$1B

Top Weaknesses (8 metrics)

2638

Net Interest Margin

profitability

Value: 1.32%

Peer Median: 3.99%

#2638 of 2643 Bottom 0.2% in $100M-$1B

2630

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 22.03%

#2630 of 2643 Bottom 0.5% in $100M-$1B

2620

Total Assets

size

Value: $103.95M

Peer Median: $386.57M

#2620 of 2643 Bottom 0.9% in $100M-$1B

2604

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.57%

#2604 of 2643 Bottom 1.5% in $100M-$1B

2543

Total Deposits

size

Value: $93.82M

Peer Median: $326.73M

#2543 of 2643 Bottom 3.8% in $100M-$1B

2483

Return on Assets

profitability

Value: 0.23%

Peer Median: 1.32%

#2483 of 2643 Bottom 6.1% in $100M-$1B

2326

Total Loans

size

Value: $83.49M

Peer Median: $258.35M

#2326 of 2643 Bottom 12.0% in $100M-$1B

2165

Efficiency Ratio

profitability

Value: 76.48%

Peer Median: 64.48%

#2165 of 2643 Bottom 18.1% in $100M-$1B