BlastPoint's Banking Scorecard

Arundel Bank

$100M-$1B Specialty: Mortgage MD FDIC cert 28780

Designations: ✓ Mutual

Glen Burnie, MD

5 branches across 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 +8.9% year over year ($372.6M on the books).
Delinquency rate 0.45%.
Return on assets 0.16%.
Efficiency ratio 92.74% vs a 64.48% peer average.
Loan-to-deposit ratio 99.14% 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) →

Arundel 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 0.47% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 25.2% in tier
- Return on Assets 1.16% below tier average
- Net Interest Margin 1.67% below tier average
- Efficiency Ratio 28.27% above tier average
- Non-Interest-Bearing Deposit Share 19.46% below tier average
- Non-Interest Income / Assets 0.53% below tier average

Get updates when Arundel 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 ?	$492.1M +9.9% YoY +3.8% QoQ	+$105.5M	$386.6M +1.2% YoY	$1.8B +4.0% YoY	$6.3B +7.7% YoY	71%
Total Loans ?	$369.4M +0.1% YoY +0.3% QoQ	+$111.0M	$258.3M +1.7% YoY	$1.3B +3.8% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$372.6M +8.9% YoY +3.2% QoQ	+$45.9M	$326.7M +0.7% YoY	$1.6B +4.1% YoY	$4.9B +7.3% YoY	66%
Return on Assets ?	0.16% -17.1% YoY +139.2% QoQ	-1.16%	1.32% +10.8% YoY	0.92% +12.6% YoY	1.30% +12.1% YoY	Bottom 5.0% in tier
Net Interest Margin ?	2.32% -10.9% YoY +0.2% QoQ	-1.67%	3.99% +5.0% YoY	3.72% +5.0% YoY	3.95% +4.9% YoY	Bottom 2.0% in tier
Efficiency Ratio ?	92.74% +2.9% YoY -2.7% QoQ	+28.27%	64.48% -3.2% YoY	67.38% -3.5% YoY	70.05% +2.5% YoY	Bottom 4.2% in tier
Delinquency Rate ?	0.45% -2.2% YoY -7.0% QoQ	-0.47%	0.92% +15.7% YoY	1.07% +9.6% YoY	0.98% +16.3% YoY	49%
Loan-to-Deposit Ratio ?	99.14% -8.1% YoY -2.7% QoQ	+21.19%	77.95% +1.0% YoY	87.38% +1.5% YoY	79.03% +2.3% YoY	Bottom 11.3% in tier
Non-Interest-Bearing Deposit Share ?	2.57% -0.2% YoY +12.0% QoQ	-19.46%	22.03% -0.6% YoY	20.47% +3.3% YoY	21.98% -0.6% YoY	Bottom 2.0% in tier
Nonperforming Asset Ratio ?	0.37% -0.5% YoY -14.2% QoQ	-0.30%	0.67% +16.4% YoY	0.90% +8.0% YoY	0.69% +15.8% YoY	46%
Tier 1 Capital Ratio ?	13.98% -6.0% YoY -6.7% QoQ	-1.92%	15.91% +1.4% YoY	16.33% +1.1% YoY	17.09% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.04% -19.9% YoY +142.9% QoQ	-0.53%	0.57% +7.6% YoY	0.25% +1.8% YoY	0.66% +5.2% YoY	Bottom 3.5% 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	2.6% 0.0pp YoY +0.3pp QoQ	-19.6pp	22.1%	21.3%	22.2%	1%
Brokered Deposits	6.5% +2.5pp QoQ	-1.4pp	7.9%	10.7%	8.5%	61%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
C&I	1.5% +0.6pp QoQ	-10.1pp	11.6%	8.9%	12.5%	5%
CRE	27.0% +1.7pp YoY +1.3pp QoQ	-12.6pp	39.5%	50.0%	41.4%	29%
1-4 Family	72.0% -3.2pp YoY -1.9pp QoQ	+39.4pp	32.6%	37.9%	31.3%	95%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	3.2%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.4%	19.7%	n/a
Leverage Ratio	14.0% -0.9pp YoY -1.0pp QoQ	+1.8pp	12.2%	13.0%	12.6%	81%
Total Capital Ratio	n/a	n/a	19.9%	17.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Full-Time Employees	58 -9 (-13.4%) YoY -4 (-6.5%) QoQ	-1	58	170	482	61%
Assets per Employee ($)	$8.5M +26.9% YoY +10.9% QoQ	+$966K	$7.5M	$9.4M	$8.8M	74%
Branch Count	5 -1 (-16.7%) YoY 0 QoQ	0	4	9	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.4%	46%
Nonaccrual	0.4% 0.0pp YoY -0.1pp QoQ	-0.6pp	0.9%	1.1%	1.0%	44%
Allowance Coverage	1.32x -1.3% YoY +7.1% QoQ	-22.84x	24.15x	46.66x	20.23x	36%
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	1.2% -0.2pp YoY +0.7pp QoQ	-11.0pp	12.2%	8.0%	11.6%	5%
Cost of Funds (YTD)	2.2% 0.0pp YoY +0.1pp QoQ	+0.4pp	1.7%	1.9%	1.7%	79%
Net Income ($, YTD)	$382,000 -13.8% YoY — QoQ	-$2.2M	$2.6M	$8.4M	$40.4M	8%

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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 (1)

Liquidity Strain

risk

#175 of 691 • Bottom 25.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 99.14%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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)

637

Total Loans

size

Value: $369.38M

Peer Median: $258.35M

#637 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (6 metrics)

2592

Non-Interest-Bearing Deposit Share

funding

Value: 2.57%

Peer Median: 22.03%

#2592 of 2643 Bottom 2.0% in $100M-$1B

2592

Net Interest Margin

profitability

Value: 2.32%

Peer Median: 3.99%

#2592 of 2643 Bottom 2.0% in $100M-$1B

2551

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2551 of 2643 Bottom 3.5% in $100M-$1B

2533

Efficiency Ratio

profitability

Value: 92.74%

Peer Median: 64.48%

#2533 of 2643 Bottom 4.2% in $100M-$1B

2513

Return on Assets

profitability

Value: 0.16%

Peer Median: 1.32%

#2513 of 2643 Bottom 5.0% in $100M-$1B

2346

Loan-to-Deposit Ratio

liquidity

Value: 99.14%

Peer Median: 77.95%

#2346 of 2643 Bottom 11.3% in $100M-$1B