BlastPoint's Banking Scorecard
Arundel Federal Savings Bank
Micro
Specialty: Mortgage
MD
FDIC cert 28780
Designations: ✓ Community bank ✓ Mutual
Glen Burnie, MD
2498
banks in Micro tier nationally
10 in MD
View Micro leaderboard (MD) →
Arundel Federal Savings Bank faces 6 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 0.96% below tier
- - Net Interest Margin 1.43% below tier
- - Efficiency Ratio 26.38% above tier
- - Loan-to-Deposit Ratio 33.07% above tier
- - Non-Interest-Bearing Deposit Share 20.62% below tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$445.2M
-2.3% YoY
+0.6% QoQ
|
+$227.7M |
$217.5M
+2.3% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$364.9M
-3.3% YoY
-1.2% QoQ
|
+$225.7M |
$139.2M
+2.8% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$339.1M
-2.0% YoY
+0.8% QoQ
|
+$155.5M |
$183.7M
+1.8% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.12%
+242.6% YoY
-5.1% QoQ
|
-0.96% |
1.08%
+14.7% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.43%
+22.8% YoY
-2.4% QoQ
|
-1.43% |
3.85%
+6.6% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
94.10%
-11.5% YoY
+0.9% QoQ
|
+26.38% |
67.73%
-4.8% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.54%
-50.2% YoY
-9.9% QoQ
|
-0.10% |
0.64%
+24.4% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
107.60%
-1.3% YoY
-2.0% QoQ
|
+33.07% |
74.53%
+0.5% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.77%
+1.3% YoY
-15.1% QoQ
|
-20.62% |
22.39%
-1.3% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.49%
-45.9% YoY
-3.0% QoQ
|
+0.03% |
0.45%
+25.1% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.09%
+29.7% YoY
+28.6% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.12%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.43%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
94.10%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
107.60%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
1.77%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.09%
(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
98
98th pctile
Total Loans
Current: $364.9M · Tier avg: $139.2M
94
94th pctile
Total Assets
Current: $445.2M · Tier avg: $217.5M
88
88th pctile
Total Deposits
Current: $339.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.45%
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 94.10% · Tier avg: 67.73%
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.85%
4
4th pctile
Loan-to-Deposit Ratio
Current: 107.60% · Tier avg: 74.53%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.77% · Tier avg: 22.39%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.77% · Tier avg: 22.39%
4
4th pctile
Loan-to-Deposit Ratio
Current: 107.60% · Tier avg: 74.53%
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.85%
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
7
7th pctile
Efficiency Ratio
Current: 94.10% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.45%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
88
88th pctile
Total Deposits
Current: $339.1M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $445.2M · Tier avg: $217.5M
98
98th pctile
Total Loans
Current: $364.9M · Tier avg: $139.2M