# BANK OF GLEN BURNIE
GLEN BURNIE, MD · FDIC certificate 16820 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $394.9M | |
| Deposits | $357.0M | |
| Loans and leases | $267.6M | |
| Total equity | $21.3M | |
| Loans / deposits | 74.08% (p33 of band) | 82.04% |
| Liquid assets / assets | 27.17% (p56 of band) | |
| Uninsured deposits / deposits | 2.83% (p1 of band) | 25.97% |
| Brokered deposits | 3.97% | |
| Wholesale funding | 7.67% (p69 of band) | |
| FHLB advances / assets | 3.67% | |
| Tier 1 leverage | 8.79% (p10 of band) | 10.81% |
| Unrealized securities loss / equity | -99.18% (p1 of band) | -8.10% |
| AOCI / equity | 0.34% (p89 of band) | |
| ROA (annualized) | -0.07% (p3 of band) | 1.28% |
| Net interest margin | 3.36% (p22 of band) | 3.91% |
| Efficiency ratio | 95.41% (p97 of band) | |
| Noncurrent loans | 0.25% (p37 of band) | 0.43% |
| Net charge-offs (annualized) | 0.09% (p82 of band) | |
| Reserve coverage of noncurrent | 472.94% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 30.72% (p37 of band) | |
| Auto loans | $54.9M (20.51% of loans; DQ 1.76%, NCO 0.09%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 12.5% | |
| Employees | 69 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2012-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | auto book souring |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | capital falling | reserve under noncurrent |
| 2014-12 | 2 | uninsured deposits leaving | capital falling |
| 2015-03 | 3 | expense ratio p90, reserve under noncurrent | uninsured deposits leaving |
| 2015-06 | 2 |  | expense ratio p90 |
| 2015-09 | 3 | charge-offs p90 |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | expense ratio p90 |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | expense ratio p90 |
| 2017-03 | 2 |  | charge-offs p90 |
| 2017-06 | 4 | capital falling, expense ratio p90 |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 | noncurrent p90 | auto book souring, expense ratio p90 |
| 2018-06 | 5 | expense ratio p90, charge-offs p90, auto book souring | noncurrent p90 |
| 2018-09 | 4 |  | reserve under noncurrent |
| 2018-12 | 2 |  | capital falling, expense ratio p90 |
| 2019-03 | 2 | expense ratio p90 | charge-offs p90 |
| 2019-06 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2019-09 | 4 |  | deposits shrinking |
| 2019-12 | 4 |  |  |
| 2020-03 | 3 |  | assets shrinking |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | noncurrent p90 | auto book souring |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | auto book souring, uninsured deposits leaving | noncurrent p90 |
| 2021-12 | 2 |  | expense ratio p90, reserve under noncurrent, auto book souring |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, expense ratio p90 | capital falling, uninsured deposits leaving |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | deposits shrinking, assets shrinking |  |
| 2023-03 | 5 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 | AOCI drag >20% of equity | expense ratio p90 |
| 2023-12 | 5 | expense ratio p90 | AOCI drag >20% of equity |
| 2024-03 | 5 | charge-offs p90 | assets shrinking |
| 2024-06 | 7 | capital falling, losing money |  |
| 2024-09 | 2 |  | deposits shrinking, uninsured deposits leaving, charge-offs p90, capital falling, losing money |
| 2024-12 | 3 | uninsured deposits leaving |  |
| 2025-03 | 4 | capital falling |  |
| 2025-06 | 3 |  | uninsured deposits leaving |
| 2025-09 | 3 | uninsured deposits leaving | capital falling |
| 2025-12 | 2 |  | uninsured deposits leaving |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 5 | losing money, auto book souring |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-01 [Local Real Estate Developer and Business Leader John Stamato Named to Glen Burnie Bancorp Board of Directors - markets.businessinsider.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQTWhfSjBIajNxMGl0ZmJPSTBIdFo2MEdJelFQdkFLVkNfX1l6Yk1ackdjOXdPcnQtSzM2MDFPUEYtXy1qRFdlVFU2bWw4UDlQZXJkNDlqWFhhNldhSTJTQ2hULU9mOVhfWnIxaGxDZmdrdVZicTFZNGlvTUZ1ajRQbm9rc1BmY0FsVDVhQkYtZ3dCekNxTEtfVHpjeWY4ZGdnMXREOXI3U1RuZkRlY0xzbkpoZDVja1Z3VG9hcWlkdWVUOFFGMTE3N0sxV1lWTk1jMTNfTW92TUtmZjRzR1dBUXBRNWl3UVRvSGdxRnozX3Q3OUhzT2J4Z0FGUQ?oc=5) · markets.businessinsider.com
- 2026-03-30 [John Camden Joins The Bank of Glen Burnie as Part of the Planned Opening of a New Loan Production Office in Annapolis, Maryland - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxNdHhOZGRaS0xzM1RVQ2tvUXAtUDNsU2tsX0FUMzZ5cTczdkplMzRRSlBQUUpRVTBUM2hpMThnY3VSTnZiM2pURlc1TDlxR1NVcmJ1cHBJN1h1RWJ1dHdvcWo4LVRNWkpNTDhtS2VGVk9MeEt1VUF4MWNzWUNwLWh1UDZhWkwtZkR2LW9ycHFVNFhXclo1ZEpn?oc=5) · Yahoo Finance
- 2026-09-01 [A real estate developer with more than 30 years in land development joins Glen Burnie Bancorp’s board. - Stock Titan](https://news.google.com/rss/articles/CBMivgFBVV95cUxQR3RReVppWnYwS3JhZjUxdUhqaXlmRnZlbk54THVlaWZnbjc5ZGRlZ2JmNGxwSHBVeExZTU4ta2xoY0pWbmE3ZkEzTm16YVloVG52bk9zR1ljTXJSMVkyVTVoenA1WVQzTmdONUY0bDFiMVZjU25nLUpUUVdkT1dIaXY1VFo1YzZGVGN2blBlV3VMRFk1bDNHdndJSnJidWdVRm0xcmI2bS1CSTM2cDdFQ2RPQ1dmb2txVVFsSHZR?oc=5) · Stock Titan
- 2026-02-22 [Glen Burnie Bancorp Appoints Jay Baldwin Board Chair - citybiz](https://news.google.com/rss/articles/CBMilgFBVV95cUxQalVtdjN3U1BZS3g3OE1DRXVyS25mdW0wVTBfekJ0VnpraFBUQVRNemRWd3NWU1daS2M0VkNYdWNfNmlwRjZiTC1HMDNtdTRTbnB5QnZqcUFhem1KVGNKZTZLTlpXZTBlbF8yNmdfRDJkbXdidDBDdklQTWl4MHZrcVAtaExteWZrSHpEZ2hpdU1iZWR5V3c?oc=5) · citybiz
- 2026-05-01 [Glen Burnie Bancorp Reports 2026 First Quarter Results - GlobeNewswire](https://news.google.com/rss/articles/CBMixAFBVV95cUxPeEVjLUpnNmNfbzROX2tSVE1lanFEMTAyX1hlY2NxWmtPakNqcTNJVEpaOVFpQTY2UzdkWWFHWVRyZjNRZXh3YWlYbC1QZF9OUEpVa1RGNHNTemJkRmRwTjRLc1pqWkxLQVFEQ3pKNFVhNDJxbkZYdkdSMkowMloxUEJnZXRwYWVsdzFDSWhVejlxVkpGRGtuOFp6Ynlpakx3QVpCSWpnT0p4NDh3T196WWxmdW5jRjRFTkpkTGlzeDVIMVB0?oc=5) · GlobeNewswire
- 2025-12-03 [The Bank of Glen Burnie Appoints Todd Capitani as Executive Vice President and Chief Financial Officer - Quiver Quantitative](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNX3RpLVVZVXNCR1hUQXFuTWlZdmUyZGZ2WlNaV0NrUVRuVWl6d1FXOUhELWd5N1hObC1RUkJNTktmVWpXdWxYNXJmdkppNkxEak1XXzNqbzM0aXc0NUY3YzlpaE81TGlrQTFvd1ZkOVQxNEVCaG40dFduSF9TMjdPcEp3SmxsbUwtQ09EUTBCd05oeTEwMHRXM2d0NzZEeWpNV0dfZmlaOVJjU3RaM2toX096eUNXYWtUSjQ2MDZPNXhoeEVNeDBpV204U0lXUmZT?oc=5) · Quiver Quantitative
- 2026-07-29 [Glen Burnie Bancorp Reports 2026 Second Quarter Results - GlobeNewswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxPeFFtdzNxNEl5bmhjOHhvcmU3TlVHcjRfdFN0Z1drdHQ3Mlp4SkNHazZNUHR3bGRTcG5CbnhqMXVXVGxzZUo3SW55NG5GSGR2dUc3NnotaUYyN21IWmtiMndQU0xrd1ZDOE9hOGE2alZpVFRFYzZ1cjdqMVBHWVJXMlBfUnJ6blNJR29wNVByWWpwa2I2ZTZwQ0hBeW9HWmlQZ1R0UlhhYnE2TzdVVVBXVW1wYUtkTUZpZlpqY1p0aW1WTFRScHc?oc=5) · GlobeNewswire
- 2024-07-17 [Joseph G. “Jay” Baldwin, becomes Board Member at Glen Burnie Bancorp - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdDVpQS1sMzhyT01KOFFIOVlpNENfSXFkTnNsMnpHVHE4Y2MxX1J1Q1pfS3BMZmVKeTRKVmFQR25uZDFDR1QwbUxRR0RWXzBpd2JEUEstN21OcUpmOThQRVN0SnlnVTNxV2pvbllPZ0k4RC1BZ1VrY0FjTzZoZWY4Z3ctR3NUaF9zTFFPUXp0b3UtMVh5VDJqczdxYw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16820 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/52.json (key "16820", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide