BlastPoint's Banking Scorecard
The Bank of Glen Burnie
Micro
Specialty: Commercial
MD
FDIC cert 16820
Designations: ✓ Community bank
Glen Burnie, MD
2498
banks in Micro tier nationally
10 in MD
View Micro leaderboard (MD) →
The Bank of Glen Burnie faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.03% below tier
- - Efficiency Ratio 35.31% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$359.9M
+0.3% YoY
+2.4% QoQ
|
+$142.4M |
$217.5M
+2.3% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$228.5M
+12.9% YoY
+7.4% QoQ
|
+$89.3M |
$139.2M
+2.8% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$332.4M
+7.5% YoY
+1.0% QoQ
|
+$148.7M |
$183.7M
+1.8% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.05%
+69.1% YoY
-40.6% QoQ
|
-1.03% |
1.08%
+14.7% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.30%
+1.1% YoY
+0.5% QoQ
|
-0.55% |
3.85%
+6.6% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
103.03%
+8.4% YoY
-1.8% QoQ
|
+35.31% |
67.73%
-4.8% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.55%
+209.0% YoY
-2.6% QoQ
|
-0.09% |
0.64%
+24.4% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
68.75%
+5.0% YoY
+6.3% QoQ
|
-5.78% |
74.53%
+0.5% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
31.34%
-3.8% YoY
-4.0% QoQ
|
+8.94% |
22.39%
-1.3% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.35%
+247.9% YoY
+2.2% QoQ
|
-0.10% |
0.45%
+25.1% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
13.80%
-8.9% YoY
-6.8% QoQ
|
+4.95% |
8.85%
-3.4% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.46%
+43.1% YoY
+62.9% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
103.03%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Total Deposits
Current: $332.4M · Tier avg: $183.7M
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.34% · Tier avg: 22.39%
82
82th pctile
Total Assets
Current: $359.9M · Tier avg: $217.5M
81
81th pctile
Total Loans
Current: $228.5M · Tier avg: $139.2M
67
67th pctile
Tier 1 Capital Ratio
Current: 13.80% · Tier avg: 8.85%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.75% · Tier avg: 74.53%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
26
26th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 103.03% · Tier avg: 67.73%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 103.03% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
26
26th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.75% · Tier avg: 74.53%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.80% · Tier avg: 8.85%
81
81th pctile
Total Loans
Current: $228.5M · Tier avg: $139.2M
82
82th pctile
Total Assets
Current: $359.9M · Tier avg: $217.5M
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.34% · Tier avg: 22.39%
87
87th pctile
Total Deposits
Current: $332.4M · Tier avg: $183.7M