BlastPoint's Banking Scorecard
The Glen Burnie Mutual Savings Bank
Micro
Specialty: Mortgage
MD
FDIC cert 27567
Designations: ✓ Community bank ✓ Mutual
Glen Burnie, MD
2498
banks in Micro tier nationally
10 in MD
View Micro leaderboard (MD) →
The Glen Burnie Mutual Savings Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.54% below tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.3M
-0.6% YoY
-0.8% QoQ
|
-$113.2M |
$217.5M
+2.3% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$85.0M
+0.6% YoY
+1.0% QoQ
|
-$54.2M |
$139.2M
+2.8% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$94.3M
-1.0% YoY
-1.7% QoQ
|
-$89.3M |
$183.7M
+1.8% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
0.24%
-8.4% YoY
+13.9% QoQ
|
-0.85% |
1.08%
+14.7% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
1.32%
+2.0% YoY
+1.4% QoQ
|
-2.54% |
3.85%
+6.6% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
77.07%
+3.4% YoY
-0.7% QoQ
|
+9.35% |
67.73%
-4.8% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
0.68%
-8.4% YoY
-26.1% QoQ
|
+0.04% |
0.64%
+24.4% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
90.11%
+1.5% YoY
+2.8% QoQ
|
+15.58% |
74.53%
+0.5% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.56%
-7.3% YoY
-24.7% QoQ
|
+0.11% |
0.45%
+25.1% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
18.25%
+1.7% YoY
+1.0% QoQ
|
+9.39% |
8.85%
-3.4% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.03%
+8.7% YoY
+29.6% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.32%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 0.56%, National avg: 0.65%)
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
83
83th pctile
Tier 1 Capital Ratio
Current: 18.25% · Tier avg: 8.85%
77
77th pctile
Loan-to-Deposit Ratio
Current: 90.11% · Tier avg: 74.53%
38
38th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.64%
36
36th pctile
Total Loans
Current: $85.0M · Tier avg: $139.2M
34
34th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.45%
27
27th pctile
Total Deposits
Current: $94.3M · Tier avg: $183.7M
25
25th pctile
Efficiency Ratio
Current: 77.07% · Tier avg: 67.73%
24
24th pctile
Total Assets
Current: $104.3M · Tier avg: $217.5M
11
11th pctile
Return on Assets
Current: 0.24% · Tier avg: 1.08%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
1
1th pctile
Net Interest Margin
Current: 1.32% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.32% · Tier avg: 3.85%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
11
11th pctile
Return on Assets
Current: 0.24% · Tier avg: 1.08%
24
24th pctile
Total Assets
Current: $104.3M · Tier avg: $217.5M
25
25th pctile
Efficiency Ratio
Current: 77.07% · Tier avg: 67.73%
27
27th pctile
Total Deposits
Current: $94.3M · Tier avg: $183.7M
34
34th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.45%
36
36th pctile
Total Loans
Current: $85.0M · Tier avg: $139.2M
38
38th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.64%
77
77th pctile
Loan-to-Deposit Ratio
Current: 90.11% · Tier avg: 74.53%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.25% · Tier avg: 8.85%