# MARYLAND B&T CO NA
LEXINGTON PARK, MD · FDIC certificate 18115 · asset band $300M-1B · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $345.9M | |
| Deposits | $296.8M | |
| Loans and leases | $209.1M | |
| Total equity | $23.9M | |
| Loans / deposits | 68.09% (p27 of band) | 78.23% |
| Liquid assets / assets | 34.72% (p69 of band) | |
| Uninsured deposits / deposits | 4.34% (p14 of band) | 11.67% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.61% (p39 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.26% (p11 of band) | 9.23% |
| Unrealized securities loss / equity | -1.70% (p17 of band) | 0.92% |
| AOCI / equity | -0.07% (p26 of band) | |
| ROA (annualized) | -0.75% (p8 of band) | 0.63% |
| Net interest margin | 3.83% (p60 of band) | 3.68% |
| Efficiency ratio | 113.92% (p96 of band) | |
| Noncurrent loans | 8.03% (p89 of band) | 2.23% |
| Net charge-offs (annualized) | 0.56% (p72 of band) | |
| Reserve coverage of noncurrent | 41.94% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 120.35% (p88 of band) | |
| Auto loans | $703,000 (0.34% of loans; DQ 1.56%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 100 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, reserve under noncurrent, construction >100% equity |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18115 (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/3.json (key "18115", 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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