# OLD LINE BANK
BOWIE, MD · FDIC certificate 27599 · asset band $1-10B · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $3.10B | |
| Deposits | $2.42B | |
| Loans and leases | $2.50B | |
| Total equity | $427.0M | |
| Loans / deposits | 103.29% (p86 of band) | 89.84% |
| Liquid assets / assets | 10.19% (p7 of band) | |
| Uninsured deposits / deposits | 21.79% (p35 of band) | 27.30% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.52% (p53 of band) | |
| FHLB advances / assets | 5.82% | |
| Tier 1 leverage | 10.74% (p59 of band) | 10.38% |
| Unrealized securities loss / equity | 0.35% (p32 of band) | 0.89% |
| AOCI / equity | 1.55% (p42 of band) | |
| ROA (annualized) | 1.27% (p55 of band) | 1.20% |
| Net interest margin | 3.52% (p42 of band) | 3.64% |
| Efficiency ratio | 49.50% (p13 of band) | |
| Noncurrent loans | 0.34% (p33 of band) | 0.50% |
| Net charge-offs (annualized) | 0.02% (p39 of band) | |
| Reserve coverage of noncurrent | 94.54% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 47.59% (p54 of band) | |
| Auto loans | $10.0M (0.40% of loans; DQ 4.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 361 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 1 | reserve under noncurrent | brokered >10%, wholesale funding >15% |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | brokered >10%, wholesale funding >15% |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | expense ratio p90 |  |
| 2013-09 | 3 |  | expense ratio p90 |
| 2013-12 | 2 |  | wholesale funding >15% |
| 2014-03 | 3 | wholesale funding >15% |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 4 | charge-offs p90 |  |
| 2014-12 | 3 |  | charge-offs p90 |
| 2015-03 | 2 |  | reserve under noncurrent |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 4 | reserve under noncurrent |  |
| 2016-03 | 3 |  | brokered >10% |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | brokered >10% | capital falling |
| 2016-12 | 4 | loans exceed deposits |  |
| 2017-03 | 5 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2017-06 | 4 |  | charge-offs p90 |
| 2017-09 | 2 |  | brokered >10%, capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | capital falling | loans exceed deposits |
| 2018-06 | 3 | loans exceed deposits, liquid assets <10% | capital falling |
| 2018-09 | 4 | reserve under noncurrent |  |
| 2018-12 | 3 |  | reserve under noncurrent |
| 2019-03 | 1 |  | wholesale funding >15%, liquid assets <10% |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | reserve under noncurrent |  |

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

- 2019-07-24 [Old Line bank to merge with W.Va. company - Maryland Daily Record](https://news.google.com/rss/articles/CBMihgFBVV95cUxNN1RZdmVxOFNmSVctQ1RSREJUWi0wWTdMMm50THBfV1JKc2tOelZIMVF3QjN3UXpVRlN5TUNXeXQtQ2FTZFZCdVBBTmtzU3dQVTB5ZF9qSTI3V20zYU9kQ2ZIOXBXS0hiYkh3U3lNNHpWY1hlMGQ2a3NFV2YxRXJCa0IyRU5IZw?oc=5) · Maryland Daily Record
- 2019-11-25 [WesBanco completes acquisition of Old Line Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPaTlZeDc3TFRObDZtLWVWMVVsY1l4RE0yTmRhV0lFQlhDcVF6bGY5dVZGeTByU3k4RjR0dklQeWlLLTQyQXhSVks1M3Nzd3FORXdMdFNPVi00SkR3amZTalRiR2ZYMDFyN2Z4QXpBSUVIazk0eHdsc1ZXZHhwbUFCckdLTm9kal9aTGlPV3RRd2tRem1aeWQxbjdZN2tLbDNvcEoxaVMyYVdIdw?oc=5) · The Business Journals
- 2020-02-09 [Old Line Bank to Become WesBanco - Southern Maryland News Net](https://news.google.com/rss/articles/CBMie0FVX3lxTE1UdXFlTXZiUWxNWnhxekw2QjlfY3ZXdkZWRXZncjFGeUhIQXowa20tOTgtdzFySDFqcml2amlLSC1Sd0FHV2dOQ1pGVTFfbWx1dkRBRXNDS3ZpTVB6bzFFNml6eXFINTNDTE9RZFJZUGpGSTBCdVQtcTRXcw?oc=5) · Southern Maryland News Net
- 2017-02-10 [Old Line Bank to merge with Damascus Community Bank and move into Frederick County - The Frederick News-Post](https://news.google.com/rss/articles/CBMiogJBVV95cUxOYkJaRlQtaklodVlUMHRNaG1NdEIwYkdjbWFPbW1vaWpkMGhpT1MxNFR2b2t2VE9Pb1NJS1NfU1ZGRGRBQTF3a0Y3TkJ6MVlLWjdWUlBYX2FzaUpCR1RsUFZBZkUxMkh5bk8zWjVTN19aNHdFWDJMSG5yX3NSSVhxazQ0QXlINTFoSVVMaHRrdGxEOXB0WFFIODdiLS1hVnhVSHZyTHlrYVczUktUZVFKODZ6WEdNNGZNYXFxNXJlMVJVY1NOdzI0czRyYXI0TDc5dFNlNkt3dzZJZHNQUHJndDR4aHhXVmI0elY4ZzBaSFJ1UTVvcTBLTnVaTmVZSk9tQWNiaXNsT1BtbVl5SGNJZ2R2ZENQMldTNHAyZXZJYURoUQ?oc=5) · The Frederick News-Post
- 2017-02-01 [Old Line to buy DCB Bancshares in Maryland for $41 million - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxQdWxBcERaQWMtaWhsbnlVSlktal80dWxzWW4ySENkQ2djNFBuaDA4N25NTVhxSzNKZ0dCOEw1LTJHWlRxUGs5VGx3bVlBb0pyM0UyOXBjZDN6OTlQZ3lNbzZwTjM2U2RyUkVHYXlRc281LVlMLVY0RU44dnFLNEJYSGxrdjlYdGNQbWhSZWotMUJydFQ3QVVKVQ?oc=5) · American Banker
- 2011-04-05 [Old Line Bank acquires MB&T - The Washington Post](https://news.google.com/rss/articles/CBMitwFBVV95cUxQNFhOM05KNm9VTU5BLUZhLTItdHllRFp6MktWQlF3bW93Q29Ydkl5N3R1djk5RWVSbFFFZW40cTFhNEpiT0hyWFlrTFdaWkh1OFA4YjN3UTdDdHdCMXQxQ0g4Z3lobVdSaTZjRk4wb2VHVElXd3FVdWl5SE5JemludEZrSUFSbEF0bXlKUXladVMzMXg0eVNwOV82VXdGRmQ5YjNyczBxTEg1RmRyUkY5M0JKbGtIb0U?oc=5) · The Washington Post
- 2020-04-29 [Howard Bank Names Former Old Line Bank Executive Thomas Mee as Senior Vice President, Commercial Real Estate, Senior Lender - I95 Business](https://news.google.com/rss/articles/CBMiTkFVX3lxTFBNLUkyTlREZHA4RWRXWmwtc05DVG4yX29LUV9ZWFBUU3E3b3JPVWh5SWFyNHBnX0g5NHFjOHZpYURxRlFkYmtMV1VSZHNxUQ?oc=5) · I95 Business
- 2017-02-01 [Old Line Bank buying MoCo rival for $40.7M - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPdkRtRG9GaEFoRW9oaFQwZXVWZzREUFBucVhZa2trRTQyQWd3Z01rOVVpYjYweC1VdEF4c0RrUEVIc210d2d0dXJlSTlaN01wT3BFUmh0dzVhXzZjLWtjcU9ERlpmbFJrd1JxVFJGaUxDYkp3emdLQ1l0YmRJUFAxU3dfNHVpQlVnbE5TdUJRcUNoV012U29DeFhWc2dRZTVKTGc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27599 (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/15.json (key "27599", 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