# LIBERTY BANK OF MARYLAND
BALTIMORE, MD · FDIC certificate 29945 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $35.7M | |
| Deposits | $29.0M | |
| Loans and leases | $31.6M | |
| Total equity | $5.6M | |
| Loans / deposits | 108.64% (p97 of band) | 72.92% |
| Liquid assets / assets | 10.46% (p5 of band) | |
| Uninsured deposits / deposits | 3.45% (p6 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.80% (p57 of band) | |
| FHLB advances / assets | 2.80% | |
| Tier 1 leverage | 14.85% (p86 of band) | 10.70% |
| Unrealized securities loss / equity | 0.99% (p46 of band) | 1.19% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | -2.62% (p1 of band) | 0.83% |
| Net interest margin | 3.90% (p66 of band) | 3.64% |
| Efficiency ratio | 172.07% (p99 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.70% |
| Net charge-offs (annualized) | 1.08% (p98 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 13.68% (p47 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.1% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 6 | capital falling, losing money, expense ratio p90, noncurrent p90, charge-offs p90 |  |
| 2012-06 | 5 |  | capital falling |
| 2012-09 | 5 | deposits shrinking | charge-offs p90 |
| 2012-12 | 5 | charge-offs p90, assets shrinking | losing money, noncurrent p90 |
| 2013-03 | 6 | losing money, noncurrent p90 | charge-offs p90 |
| 2013-06 | 7 | uninsured deposits leaving |  |
| 2013-09 | 5 |  | deposits shrinking, assets shrinking |
| 2013-12 | 5 | charge-offs p90, deposits shrinking, assets shrinking | reserve under noncurrent, losing money, noncurrent p90 |
| 2014-03 | 3 |  | expense ratio p90, charge-offs p90 |
| 2014-06 | 4 | expense ratio p90, reserve under noncurrent | uninsured deposits leaving |
| 2014-09 | 5 | charge-offs p90 |  |
| 2014-12 | 4 | noncurrent p90 | assets shrinking, charge-offs p90 |
| 2015-03 | 5 | capital falling, losing money | noncurrent p90 |
| 2015-06 | 4 |  | deposits shrinking |
| 2015-09 | 4 | loans exceed deposits | capital falling |
| 2015-12 | 3 |  | reserve under noncurrent |
| 2016-03 | 7 | capital falling, charge-offs p90, deposits shrinking, assets shrinking |  |

## 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=29945 (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/57.json (key "29945", 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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