BlastPoint's Banking Scorecard

The Glen Burnie Mutual Savings Bank

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

Designations: ✓ Mutual

Glen Burnie, MD

2664 banks in the $100M-$1B peer group nationally 17 in MD

The Glen Burnie Mutual Savings Bank has 1 strength but faces 6 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 0.20% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 21.7% in tier
- Liquidity Overhang: Bottom 30.0% in tier
- Return on Assets 1.07% below tier average
- Net Interest Margin 2.57% below tier average
- Non-Interest-Bearing Deposit Share 22.02% below tier average
- Non-Interest Income / Assets 0.27% below tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$104.4M -0.8% YoY +0.1% QoQ	-$281.6M	$386.1M +0.5% YoY	$1.8B +4.9% YoY	$6.2B +9.1% YoY	Bottom 1.6% in tier
Total Loans ?	$84.1M +0.3% YoY -1.1% QoQ	-$171.6M	$255.7M +1.1% YoY	$1.3B +7.3% YoY	$3.2B +10.8% YoY	Bottom 13.1% in tier
Total Deposits ?	$95.1M -1.1% YoY +0.8% QoQ	-$232.9M	$328.0M +0.1% YoY	$1.6B +7.4% YoY	$4.8B +8.2% YoY	Bottom 4.2% in tier
Return on Assets ?	0.20% +14.1% YoY -17.8% QoQ	-1.07%	1.27% +12.9% YoY	0.90% +4.7% YoY	1.23% +13.4% YoY	Bottom 6.4% in tier
Net Interest Margin ?	1.36% +9.4% YoY +3.7% QoQ	-2.57%	3.93% +6.0% YoY	3.69% +5.2% YoY	3.89% +5.7% YoY	Bottom 0.2% in tier
Efficiency Ratio ?	80.56% -0.7% YoY +4.5% QoQ	+15.27%	65.29% -4.5% YoY	68.69% -3.5% YoY	66.95% -4.1% YoY	Bottom 14.8% in tier
Delinquency Rate ?	0.69% -7.9% YoY +0.7% QoQ	-0.20%	0.89% +18.8% YoY	1.00% +1.9% YoY	0.95% +18.8% YoY	37%
Loan-to-Deposit Ratio ?	88.42% +1.4% YoY -1.9% QoQ	+11.78%	76.64% +0.8% YoY	87.36% +2.8% YoY	76.70% +0.9% YoY	28%
Non-Interest-Bearing Deposit Share ?	0.00%	-22.02%	22.02% -1.0% YoY	20.21% -0.6% YoY	22.01% -1.2% YoY	Bottom 0.5% in tier
Nonperforming Asset Ratio ?	0.56% -6.9% YoY -0.5% QoQ	-0.08%	0.64% +19.7% YoY	0.86% +7.2% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	18.49% +3.2% YoY +1.3% QoQ	+2.65%	15.83% +1.5% YoY	16.27% -0.9% YoY	17.06% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.01% +29.6% YoY -66.7% QoQ	-0.27%	0.28% +9.3% YoY	0.12% -21.7% YoY	0.32% +4.1% YoY	Bottom 1.6% in tier

Get Full Access to The Glen Burnie Mutual Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Efficiency Drag

risk

#91 of 414 • Bottom 21.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.56%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Liquidity Overhang

risk

#223 of 739 • Bottom 30.0% 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: 18.49%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 88.42%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

470

Tier 1 Capital Ratio

capital

Value: 18.49%

Peer Median: 15.83%

#470 of 2664 Top 17.6% in $100M-$1B

Top Weaknesses (8 metrics)

2660

Net Interest Margin

profitability

Value: 1.36%

Peer Median: 3.93%

#2660 of 2664 Bottom 0.2% in $100M-$1B

2652

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 22.02%

#2652 of 2664 Bottom 0.5% in $100M-$1B

2623

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2623 of 2664 Bottom 1.6% in $100M-$1B

2623

Total Assets

size

Value: $104.45M

Peer Median: $386.08M

#2623 of 2664 Bottom 1.6% in $100M-$1B

2554

Total Deposits

size

Value: $95.11M

Peer Median: $327.97M

#2554 of 2664 Bottom 4.2% in $100M-$1B

2495

Return on Assets

profitability

Value: 0.20%

Peer Median: 1.27%

#2495 of 2664 Bottom 6.4% in $100M-$1B

2316

Total Loans

size

Value: $84.09M

Peer Median: $255.72M

#2316 of 2664 Bottom 13.1% in $100M-$1B

2272

Efficiency Ratio

profitability

Value: 80.56%

Peer Median: 65.29%

#2272 of 2664 Bottom 14.8% in $100M-$1B