BlastPoint's Banking Scorecard

Arundel Bank

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

Designations: ✓ Mutual

Glen Burnie, MD

5 branches across MD

2664 banks in the $100M-$1B peer group nationally 17 in 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 0.41% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 27.4% in tier
- Efficiency Drag: Bottom 37.0% in tier
- Return on Assets 1.20% below tier average
- Net Interest Margin 1.61% below tier average
- Non-Interest-Bearing Deposit Share 19.73% below tier average
- Non-Interest Income / Assets 0.26% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$474.1M +4.4% YoY +6.5% QoQ	+$88.0M	$386.1M +0.5% YoY	$1.8B +4.9% YoY	$6.2B +9.1% YoY	70%
Total Loans ?	$368.1M -1.5% YoY +0.9% QoQ	+$112.4M	$255.7M +1.1% YoY	$1.3B +7.3% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$361.2M +5.2% YoY +6.5% QoQ	+$33.2M	$328.0M +0.1% YoY	$1.6B +7.4% YoY	$4.8B +8.2% YoY	64%
Return on Assets ?	0.07% -80.8% YoY -44.0% QoQ	-1.20%	1.27% +12.9% YoY	0.90% +4.7% YoY	1.23% +13.4% YoY	Bottom 4.2% in tier
Net Interest Margin ?	2.32% -23.0% YoY -4.4% QoQ	-1.61%	3.93% +6.0% YoY	3.69% +5.2% YoY	3.89% +5.7% YoY	Bottom 2.0% in tier
Efficiency Ratio ?	95.28% +12.8% YoY +1.2% QoQ	+29.99%	65.29% -4.5% YoY	68.69% -3.5% YoY	66.95% -4.1% YoY	Bottom 3.8% in tier
Delinquency Rate ?	0.48% -7.1% YoY -11.6% QoQ	-0.41%	0.89% +18.8% YoY	1.00% +1.9% YoY	0.95% +18.8% YoY	47%
Loan-to-Deposit Ratio ?	101.92% -6.4% YoY -5.3% QoQ	+25.28%	76.64% +0.8% YoY	87.36% +2.8% YoY	76.70% +0.9% YoY	Bottom 6.9% in tier
Non-Interest-Bearing Deposit Share ?	2.29% +17.1% YoY +29.5% QoQ	-19.73%	22.02% -1.0% YoY	20.21% -0.6% YoY	22.01% -1.2% YoY	Bottom 1.7% in tier
Nonperforming Asset Ratio ?	0.43% +2.5% YoY -10.6% QoQ	-0.20%	0.64% +19.7% YoY	0.86% +7.2% YoY	0.67% +19.3% YoY	41%
Tier 1 Capital Ratio ?	14.99% +1.6% YoY -1.2% QoQ	-0.84%	15.83% +1.5% YoY	16.27% -0.9% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.02% -24.8% YoY -82.3% QoQ	-0.26%	0.28% +9.3% YoY	0.12% -21.7% YoY	0.32% +4.1% YoY	Bottom 2.8% in tier

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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 Strain

risk

#177 of 643 • Bottom 27.4% 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: 101.92%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#154 of 414 • Bottom 37.0% in tier

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

Why this signature

Efficiency Ratio: 95.28%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

628

Total Loans

size

Value: $368.11M

Peer Median: $255.72M

#628 of 2664 Top 23.5% in $100M-$1B

Top Weaknesses (6 metrics)

2619

Non-Interest-Bearing Deposit Share

funding

Value: 2.29%

Peer Median: 22.02%

#2619 of 2664 Bottom 1.7% in $100M-$1B

2611

Net Interest Margin

profitability

Value: 2.32%

Peer Median: 3.93%

#2611 of 2664 Bottom 2.0% in $100M-$1B

2590

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2590 of 2664 Bottom 2.8% in $100M-$1B

2563

Efficiency Ratio

profitability

Value: 95.28%

Peer Median: 65.29%

#2563 of 2664 Bottom 3.8% in $100M-$1B

2554

Return on Assets

profitability

Value: 0.07%

Peer Median: 1.27%

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

2481

Loan-to-Deposit Ratio

liquidity

Value: 101.92%

Peer Median: 76.64%

#2481 of 2664 Bottom 6.9% in $100M-$1B