Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 19.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.6). Fair liquidity 3.5, driven by a liquidity ratio of 23.9 percent and a “hot money” ratio of 31.2 percent.
Asset Mix:
Home mtgs (40%), comm re (24%), securities (14%), cash (9%), home eq lns (1%), comm loans (1%), other (11%)
States with Branches:
MD
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
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Address
9616-A Belair Road
Baltimore, MD 21236
Baltimore, MD 21236
Phone Number
(410) 668-4400
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.