The catalogue › United States › Mid-Atlantic › Maryland
The state note · prepared 3 November 2026

Maryland

27 banks and 60 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

27 banks filing · read from the 30 June 2026 Call Report
27
banks filing
$49.1B in assets
+4.6%
Loans, year over year
median; 6 above 10%, 4 shrinking
33.0%
CRE / loans
median
88.0%
Loans / deposits
median
0.59%
NPA / loans
median
11.0%
Equity / assets
median

Maryland's 27 banks hold $49.1B in assets at 30 June 2026. Eaglebank is the largest at $9.6B, and the five largest hold 70% of the total; 10 institutions are above $1B, holding $40.8B.

Loans grew a median +4.6% in the year to 30 June 2026: 6 institutions grew faster than 10% and 4 shrank. The median bank lends 88% of its deposits and holds commercial real estate at 33.0% of loans. Nonperforming loans sit at a median 0.59% of the book, return on assets at 0.97%, and equity at 11.0% of assets.

8 of the 27 are in the catalogue, each read from its own filing beside the banks its size in the state: Eaglebank, Forbright Bank, Shore United Bank N.A., CFG Bank, Farmers & Merchants Bank, Bayvanguard Bank, Hebron Savings Bank, Harford Bank.

Who holds the state's assetseach institution's share of the $49.1B the state's 27 hold; the largest first, amber in the catalogue
Eaglebank: 19.6%E20%Forbright Bank: 17.3%FB17%Shore United Bank N.A.: 12.5%SU13%CFG Bank: 12.5%CB12%Capital Bank National Association: 7.8%CB8%First United Bank & Trust: 4.2%FURosedale Bank: 2.8%Middletown Valley Bank: 2.4%Calvin Bank Taylor Bank Berlin Maryland: 2.1%Presidential Bank FSB: 2.1%17 others 17%EEaglebank19.6%FBForbright Bank17.3%SUShore United Bank N.A.12.5%CBCFG Bank12.5%CBCapital Bank National…7.8%FUFirst United Bank & T…4.2%RBRosedale Bank2.8%MVMiddletown Valley Bank2.4%CBCalvin Bank Taylor Ba…2.1%PBPresidential Bank FSB2.1%

Eaglebank holds 19.6% of the state's bank assets; the five largest hold 70%, and 10 of the 27 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestEaglebank: 20% of the totalThe five largest70% of the totalThe ten largest83% of the totalGINI0.60 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 70% of the assets in 19% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
Nonfarm nonresidential, non-owner-occupied23.3%$8.3BNonfarm nonresidential, owner-occupied18.6%$6.6B1-4 family residential, closed-end16.7%$6.0BCommercial & industrial13.9%$5.0BConstruction & land8.1%$2.9BMultifamily6.5%$2.3BOther loans and leases6.4%$2.3BHome equity lines2.0%$725MConsumer, other1.3%$479MStates & municipalities1.3%$460MFarmland0.8%$287MAuto0.6%$221MCredit card0.4%$144MAgricultural production0.0%$9M

Nonfarm nonresidential, non-owner-occupied is the largest category at 23.3% of the state's $35.8B in loans, then Nonfarm nonresidential, owner-occupied at 18.6% and 1-4 family residential, closed-end at 16.7%.

Loans, year over yearMaryland banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 27 · amber, in the catalogue
state median +4.6% FB Forbright Bank +25.6% Bo Bank of Glen Burnie +25.4% HB Harford Bank +17.7% HS Hebron Savings Bank +13.6% CB Capital Bank National Association +13.1% MV Middletown Valley Bank +11.8% CB Calvin Bank Taylor Bank Berlin Ma… +8.5% WB Woodsboro Bank +6.8% CB CFG Bank +6.4% Bo Bank of Ocean City +6.3% FB Farmers Bank of Willards +5.2% JF Jarrettsville Federal Savings & L… +4.8% HF Homewood FSB +4.7% FU First United Bank & Trust +4.6% QB Queenstown Bank of Maryland +4.1% RB Rosedale Bank +3.6% FM Farmers & Merchants Bank +3.5% CB Chesapeake Bank & Trust Co. +1.9% HB Harbor Bank of Maryland +1.8% GB Glen Burnie Mutual Savings Bank +1.5% SU Shore United Bank N.A. +1.0% FS First Shore Federal Savings & Loa… +0.2% AB Arundel Bank +0.1% BB Bayvanguard Bank -5.5% PB Presidential Bank FSB -6.6%

Forbright Bank grew fastest at +25.6%; 6 grew faster than 10% and 4 shrank, Eastern Savings Bank FSB the most at -21.5%. The median is +4.6%.

Commercial real estate, share of loansMaryland banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 27 · amber, in the catalogue
state median 33.0% FM Farmers & Merchants Bank 53.2% E Eaglebank 50.8% BB Bayvanguard Bank 47.4% HB Harbor Bank of Maryland 47.1% ES Eastern Savings Bank FSB 45.3% SU Shore United Bank N.A. 43.9% Bo Bank of Ocean City 43.1% CB CFG Bank 43.1% PB Presidential Bank FSB 42.8% HS Hebron Savings Bank 40.9% RB Rosedale Bank 37.2% CB Calvin Bank Taylor Bank Berlin Ma… 36.7% CB Capital Bank National Association 36.4% HB Harford Bank 33.0% FU First United Bank & Trust 32.1% WB Woodsboro Bank 31.8% HF Homewood FSB 31.7% MV Middletown Valley Bank 29.6% AB Arundel Bank 25.9% QB Queenstown Bank of Maryland 24.4% FB Forbright Bank 22.2% FB Farmers Bank of Willards 19.4% CB Chesapeake Bank & Trust Co. 16.3% FS First Shore Federal Savings & Loa… 13.4% Bo Bank of Glen Burnie 11.3%

Farmers & Merchants Bank is the most CRE-weighted at 53.2% of loans; 10 of the 27 are above 40%, against a median of 33.0%.

Commercial real estate against capital, the 300% screenMaryland banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 27 · amber, in the catalogue
state median 201% 300% screen FM Farmers & Merchants Bank 379% SU Shore United Bank N.A. 326% PB Presidential Bank FSB 321% CB Capital Bank National Association 304% Bo Bank of Ocean City 276% E Eaglebank 258% MV Middletown Valley Bank 249% CB CFG Bank 239% HB Harford Bank 235% WB Woodsboro Bank 232% HB Harbor Bank of Maryland 226% HS Hebron Savings Bank 216% BB Bayvanguard Bank 215% FU First United Bank & Trust 201% CB Calvin Bank Taylor Bank Berlin Ma… 190% FB Forbright Bank 149% RB Rosedale Bank 142% AB Arundel Bank 140% QB Queenstown Bank of Maryland 127% CB Chesapeake Bank & Trust Co. 123% FB Farmers Bank of Willards 111% ES Eastern Savings Bank FSB 102% HF Homewood FSB 100% Bo Bank of Glen Burnie 78% FS First Shore Federal Savings & Loa… 58%

4 of the 27 banks sit above the 300% screen, Farmers & Merchants Bank the highest at 379% of capital; the median is 201%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenMaryland banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 27 · amber, in the catalogue
state median 34% 100% screen CB Capital Bank National Association 99% E Eaglebank 70% Bo Bank of Ocean City 68% MV Middletown Valley Bank 67% PB Presidential Bank FSB 61% FB Farmers Bank of Willards 56% ES Eastern Savings Bank FSB 54% SU Shore United Bank N.A. 51% CB Chesapeake Bank & Trust Co. 50% HB Harford Bank 42% FU First United Bank & Trust 41% FB Forbright Bank 36% HS Hebron Savings Bank 35% HF Homewood FSB 34% CB Calvin Bank Taylor Bank Berlin Ma… 32% RB Rosedale Bank 31% QB Queenstown Bank of Maryland 30% WB Woodsboro Bank 30% FM Farmers & Merchants Bank 30% GB Glen Burnie Mutual Savings Bank 30% CB CFG Bank 28% FS First Shore Federal Savings & Loa… 19% JF Jarrettsville Federal Savings & L… 18% BB Bayvanguard Bank 18% Bo Bank of Glen Burnie 17%

0 of the 27 banks sit above the 100% construction screen, Capital Bank National Association the highest at 99%; the median is 34%.

Loans to depositsMaryland banks, 30 June 2026 · listed highest first · the 25 highest of 27 · amber, in the catalogue
state median 88% ES Eastern Savings Bank FSB 118% HF Homewood FSB 112% CB Chesapeake Bank & Trust Co. 104% BB Bayvanguard Bank 103% AB Arundel Bank 100% FS First Shore Federal Savings & Loa… 95% CB Capital Bank National Association 91% MV Middletown Valley Bank 91% SU Shore United Bank N.A. 90% FU First United Bank & Trust 90% GB Glen Burnie Mutual Savings Bank 89% FM Farmers & Merchants Bank 88% HS Hebron Savings Bank 88% RB Rosedale Bank 88% PB Presidential Bank FSB 87% Bo Bank of Ocean City 85% HB Harford Bank 84% FB Farmers Bank of Willards 84% FB Forbright Bank 83% E Eaglebank 81% JF Jarrettsville Federal Savings & L… 80% CB Calvin Bank Taylor Bank Berlin Ma… 79% CB CFG Bank 78% WB Woodsboro Bank 77% Bo Bank of Glen Burnie 75%

4 of the 27 lend more than they hold in deposits, Eastern Savings Bank FSB the furthest at 118%; the median is 88%.

Nonperforming loans, share of loansMaryland banks, 30 June 2026 · listed highest first · the 25 highest of 27 · amber, in the catalogue
state median 0.59% ES Eastern Savings Bank FSB 6.73% CB CFG Bank 3.86% CB Capital Bank National Association 2.05% E Eaglebank 2.05% HB Harbor Bank of Maryland 1.89% PB Presidential Bank FSB 1.64% FB Forbright Bank 1.45% SU Shore United Bank N.A. 1.32% HB Harford Bank 0.91% CB Calvin Bank Taylor Bank Berlin Ma… 0.83% FS First Shore Federal Savings & Loa… 0.82% FB Farmers Bank of Willards 0.70% GB Glen Burnie Mutual Savings Bank 0.69% Bo Bank of Ocean City 0.59% RB Rosedale Bank 0.52% BB Bayvanguard Bank 0.48% AB Arundel Bank 0.44% JF Jarrettsville Federal Savings & L… 0.36% FU First United Bank & Trust 0.31% Bo Bank of Glen Burnie 0.25% CB Chesapeake Bank & Trust Co. 0.22% MV Middletown Valley Bank 0.12% QB Queenstown Bank of Maryland 0.12% WB Woodsboro Bank 0.09% HS Hebron Savings Bank 0.08%

Eastern Savings Bank FSB carries the most nonperforming loans at 6.73% of the book; 8 of the 27 are above 1%, and the median is 0.59%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.50%1.00%1.50%2.00%NPA / loansAllowance / loansCBChesapeake Bank & Trust Co.+1.31%QBQueenstown Bank of Maryland+1.25%HSHebron Savings Bank+1.25%WBWoodsboro Bank+1.08%FUFirst United Bank & Trust+1.00%BoBank of Glen Burnie+0.93%MVMiddletown Valley Bank+0.91%HFHomewood FSB+0.89%FMFarmers & Merchants Bank+0.70%JFJarrettsville Federal Savings & L…+0.68%FSFirst Shore Federal Savings & Loa…+0.46%FBFarmers Bank of Willards+0.43%BBBayvanguard Bank+0.40%HBHarford Bank+0.32%RBRosedale Bank+0.31%ABArundel Bank+0.14%BoBank of Ocean City+0.12%CBCalvin Bank Taylor Bank Berlin Ma…-0.04%SUShore United Bank N.A.-0.12%EEaglebank-0.24%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 10 of the 27 hold an allowance smaller than their nonperforming loans.

Return on assetsMaryland banks, 30 June 2026 · listed highest first · the 25 highest of 27 · amber, in the catalogue
state median 0.97% ES Eastern Savings Bank FSB 2.28% CB Chesapeake Bank & Trust Co. 2.02% HS Hebron Savings Bank 1.64% CB Calvin Bank Taylor Bank Berlin Ma… 1.50% CB CFG Bank 1.48% Bo Bank of Ocean City 1.38% FB Farmers Bank of Willards 1.37% SU Shore United Bank N.A. 1.31% FU First United Bank & Trust 1.27% CB Capital Bank National Association 1.24% HB Harford Bank 1.08% WB Woodsboro Bank 1.07% BB Bayvanguard Bank 1.01% FM Farmers & Merchants Bank 0.97% QB Queenstown Bank of Maryland 0.84% FS First Shore Federal Savings & Loa… 0.77% FB Forbright Bank 0.62% PB Presidential Bank FSB 0.51% E Eaglebank 0.49% MV Middletown Valley Bank 0.45% HF Homewood FSB 0.37% HB Harbor Bank of Maryland 0.36% RB Rosedale Bank 0.28% GB Glen Burnie Mutual Savings Bank 0.22% JF Jarrettsville Federal Savings & L… 0.21%

Eastern Savings Bank FSB earns the most at 2.28% and Bank of Glen Burnie the least at -0.06%; 9 of the 27 earn under 0.50%, and the median is 0.97%.

The efficiency ratio, with the return beside itMaryland banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 27 · amber, in the catalogue
state median 63.0% Bo Bank of Ocean City 46.2% ROA 1.38% CB Calvin Bank Taylor Bank Berlin Ma… 50.0% ROA 1.50% CB CFG Bank 51.1% ROA 1.48% HS Hebron Savings Bank 53.6% ROA 1.64% CB Chesapeake Bank & Trust Co. 55.8% ROA 2.02% SU Shore United Bank N.A. 56.2% ROA 1.31% E Eaglebank 58.9% ROA 0.49% FB Farmers Bank of Willards 59.1% ROA 1.37% HB Harford Bank 59.5% ROA 1.08% MV Middletown Valley Bank 61.0% ROA 0.45% ES Eastern Savings Bank FSB 61.1% ROA 2.28% FU First United Bank & Trust 61.3% ROA 1.27% WB Woodsboro Bank 62.6% ROA 1.07% FM Farmers & Merchants Bank 63.0% ROA 0.97% QB Queenstown Bank of Maryland 64.9% ROA 0.84% BB Bayvanguard Bank 66.5% ROA 1.01% CB Capital Bank National Association 68.6% ROA 1.24% FS First Shore Federal Savings & Loa… 69.1% ROA 0.77% FB Forbright Bank 72.9% ROA 0.62% HF Homewood FSB 73.2% ROA 0.37% GB Glen Burnie Mutual Savings Bank 76.5% ROA 0.22% JF Jarrettsville Federal Savings & L… 84.6% ROA 0.21% RB Rosedale Bank 85.2% ROA 0.28% PB Presidential Bank FSB 87.9% ROA 0.51% HB Harbor Bank of Maryland 90.0% ROA 0.36%

Bank of Ocean City runs the leanest at 46.2% of revenue in cost; 6 of the 27 spend more than 80 cents of every revenue dollar, and the median is 63.0%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Eaglebank$9.6B-14.0%50.8%81%2.05%0.49%12.2%
Forbright Bank$8.5B+25.6%22.2%83%1.45%0.62%12.2%
Shore United Bank N.A.$6.1B+1.0%43.9%90%1.32%1.31%11.0%
CFG Bank$6.1B+6.4%43.1%78%3.86%1.48%10.6%
Capital Bank National Association$3.8B+13.1%36.4%91%2.05%1.24%9.1%
First United Bank & Trust$2.1B+4.6%32.1%90%0.31%1.27%10.6%
Rosedale Bank$1.4B+3.6%37.2%88%0.52%0.28%18.8%
Middletown Valley Bank$1.2B+11.8%29.6%91%0.12%0.45%8.4%
Calvin Bank Taylor Bank Berlin Maryland$1.0B+8.5%36.7%79%0.83%1.50%12.7%
Presidential Bank FSB$1.0B-6.6%42.8%87%1.64%0.51%9.2%
Farmers & Merchants Bank$874M+3.5%53.2%88%0.00%0.97%9.1%
Bayvanguard Bank$869M-5.5%47.4%103%0.48%1.01%18.7%
Hebron Savings Bank$839M+13.6%40.9%88%0.08%1.64%12.8%
Harford Bank$777M+17.7%33.0%84%0.91%1.08%9.6%
Queenstown Bank of Maryland$730M+4.1%24.4%73%0.12%0.84%10.4%
Five years, 2021 to 2026the 27 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$22.0B$35.8B+62%
Deposits, in total$27.0B$42.1B+56%
NPA / loans, median0.98%0.59%-0.39 pts
Efficiency, median63.4%63.0%-0.4 pts
ROA, median1.04%0.97%-0.06 pts

Small-business lending

SBA 7(a) approvals into Maryland since FY2008, across every lender type

$5.7B of 7(a) credit has been approved into Maryland since FY2008 across 16,405 loans. Accommodation & food services is the largest category at 17.3%, Health care & social assistance at 13.0%, Retail trade at 12.3%; the three together are 43% of the money. The heaviest losses fall in Construction, at 4.75% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 270 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
Ma Manufacturers and Traders Trust C… 14.6% $830M · 6,364 loans TB Truist Bank 6.9% $394M · 891 loans LO Live Oak Banking Company 6.8% $387M · 282 loans FB Fulton Bank, National Association 3.9% $221M · 268 loans WF Wells Fargo Bank National Associa… 3.4% $195M · 722 loans AU Atlantic Union Bank 3.1% $178M · 416 loans HB Hanmi Bank 2.8% $161M · 179 loans FN First National Bank of Pennsylvan… 2.5% $142M · 302 loans Readycap Lending, LLC 2.1% $118M · 270 loans BB Beacon Bank and Trust 1.9% $106M · 96 loans TH The Huntington National Bank 1.7% $100M · 207 loans TB TD Bank, National Association 1.7% $96M · 596 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services18.4%$985M · 1,954 loansHealth care & social assistance13.8%$739M · 1,785 loansRetail trade13.1%$701M · 1,983 loansProfessional & technical services12.7%$683M · 2,514 loansOther services9.7%$521M · 1,591 loansConstruction8.0%$430M · 1,847 loansManufacturing5.2%$278M · 741 loansWholesale trade4.9%$261M · 515 loansArts, entertainment & recreation4.7%$252M · 618 loansAdministrative & waste services4.0%$214M · 859 loansTransportation & warehousing3.1%$166M · 681 loansReal estate & leasing2.6%$139M · 279 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$985M1,95417.3%$35M3.58%
Health care & social assistance$739M1,78513.0%$9M1.25%
Retail trade$701M1,98312.3%$24M3.44%
Professional & technical services$683M2,51412.0%$11M1.61%
Other services$521M1,5919.1%$12M2.31%
Construction$430M1,8477.5%$20M4.75%
Manufacturing$278M7414.9%$5M1.84%
Wholesale trade$261M5154.6%$10M3.84%
Arts, entertainment & recreation$252M6184.4%$6M2.40%
Administrative & waste services$214M8593.8%$3M1.43%
Transportation & warehousing$166M6812.9%$5M2.87%
Real estate & leasing$139M2792.4%$3M2.04%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Montgomery$911M2,682145
Baltimore$828M2,422131
Prince Georges$752M2,172141
Anne Arundel$717M1,889119
Baltimore City$526M1,595122
Howard$471M1,383117
Frederick$311M84283
Harford$249M75373
Carroll$143M50357
Washington$135M36260

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Maryland institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 3 November 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Maryland

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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