# 1880 BANK
CAMBRIDGE, MD · FDIC certificate 4829 · asset band $300M-1B · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $403.1M | |
| Deposits | $340.0M | |
| Loans and leases | $281.1M | |
| Total equity | $57.4M | |
| Loans / deposits | 82.05% (p51 of band) | 81.65% |
| Liquid assets / assets | 23.19% (p41 of band) | |
| Uninsured deposits / deposits | 27.46% (p64 of band) | 23.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p9 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.26% (p88 of band) | 9.93% |
| Unrealized securities loss / equity | 2.65% (p49 of band) | 2.75% |
| AOCI / equity | 1.17% (p42 of band) | |
| ROA (annualized) | 0.85% (p33 of band) | 1.06% |
| Net interest margin | 3.45% (p44 of band) | 3.52% |
| Efficiency ratio | 63.34% (p47 of band) | |
| Noncurrent loans | 0.26% (p32 of band) | 0.50% |
| Net charge-offs (annualized) | 0.01% (p46 of band) | |
| Reserve coverage of noncurrent | 294.47% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 18.91% (p29 of band) | |
| Auto loans | $91,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.4% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | expense ratio p90 |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | charge-offs p90 |  |
| 2012-03 | 4 |  | charge-offs p90 |
| 2012-06 | 4 |  |  |
| 2012-09 | 5 | capital falling |  |
| 2012-12 | 6 | charge-offs p90 |  |
| 2013-03 | 2 |  | losing money, expense ratio p90, capital falling, charge-offs p90 |
| 2013-06 | 4 | deposits shrinking, assets shrinking |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 7 | losing money, expense ratio p90, charge-offs p90 |  |
| 2014-03 | 4 |  | noncurrent p90, losing money, expense ratio p90 |
| 2014-06 | 3 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2014-09 | 1 |  | charge-offs p90, noncurrent p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | noncurrent p90 |  |
| 2015-09 | 3 | expense ratio p90 |  |
| 2015-12 | 2 |  | expense ratio p90 |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | noncurrent p90 |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |

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

- 2021-03-07 [1880 Bank becomes BayVanguard - MyEasternShoreMD](https://news.google.com/rss/articles/CBMizgFBVV95cUxNM0VFR0hnQ1ZhRW5XX3hBd3oyamxSQlNab1JmWXA4MTYtOVhPZEY0Tm1GNWRBakVSS0RHWkJEd09BR0tySDIyUUNaV3N4MEpUU3I2RkZINnhfblVZUk1SZE11RVFDV21WTV9fYkp2VEVaNVZSYzVUb2lCSDBDMUw5LXA4YnpZRElUZkQ2V1dZd1pEUnFUSzB3TEdfWGlZTFpiLXA0emxPQnoySjZqTTFVQWJKVWl6NGlKV0FWS29QdnhrSFA2TndFbVByMG8zUQ?oc=5) · MyEasternShoreMD
- 2014-10-31 [National Bank of Cambridge renamed 1880 Bank - The Star Democrat](https://news.google.com/rss/articles/CBMixgFBVV95cUxNM3hSTlpleGF1cWJpREJPRlhsU3BjcGdTdnZyNmVwdWs1aEt4N0hyRGk5cVp1Tm9vUzFQelQyZnJySkpZTFBvNGJSNmdMVjdlUDgwaUtwRmVRaXlnYXFoRTc0RkVBWVNZMmRtM053Nk0tMGJjbkQ4SEJUU0V6aEVGMlZ3QzNpTjUzSmluNFRjZnlKSEpfTEN3VlN3c0pZMFdsalVrWkZYZWo2dEpTN0Y5djMwdjZ4ZEd6N283Q3FwSTd1LUUzdWc?oc=5) · The Star Democrat
- 2020-06-18 [BV Financial to buy Delmarva Bancshares in merger of Maryland banks - Banking Dive](https://news.google.com/rss/articles/CBMikwFBVV95cUxOel93ellIcV8zc210SW9kRGt5TEplZ3lVQV90MlNvNElKOTRrZmpQYTNMcl9nRmd3UnkwSFlud2tneHJ3ZzJZam0yMEFNZ3dTYTJEMTlBS1NRSTNiRHJDOUNPUm53d09vRGZGVWpRMkJiS3NCWTg4eHp2cXFsWG5pNWdXS29qN2xyaVY2UjF5OEN3ZFE?oc=5) · Banking Dive
- 2023-04-26 [Lake Shore Savings Bank names new president and CEO - - observertoday.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQUHpoYnQ4MGI3eG9HVlZ0SldGOWNyQy1fM3lsaHRVRVhBVFJZX1paVVBKZXRaQ2xFei1ucU5hNmpVczIxRGVrR2F1YzNvUHJGeDJEYWVRaXprdzJUaGNoV3FxdGdpUDVUdWJHRUJsQ29HZ3VvcUJHTWdPd0ZhVUtuRHBpclNOaXhkLVN1VllOMTBONkxSS1haVURRZk5KcXUzaS1VeEtyWQ?oc=5) · observertoday.com
- 2023-04-24 [Lake Shore Savings Bank announces new CEO, a 35-year banking veteran - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxOSVFNbXVfNlJJWVdlMXFmZXdoSjVaU0ZiS01reHNKSGNibWxLYlRoYVlWZTBIcUNsUmhCZmNOeWRjZFoxUFpDT1hpd0VHS0NoTnhZZC1FcGpMWkMzelVfcHREVlRCMFBGZFJ4aENNazV6X0c5RlBNMEg1MjZmNlZYbF82R0FNcTZtbmNfeUZ5T3RYeWdqR3RDdWR2dDBkUkU?oc=5) · The Business Journals
- 2016-10-20 [1880 Bank announces new hires, promotion | Dorchester County - MyEasternShoreMD](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOZTFmRFo1VzM3RUNtTzNLMU5XTTRRaFdzWDYyeThOZXpadmstdzJOaGJESlItRlFIOTkwbWFZN0xZcW5iTGlpUlI1cUZ5eWhOeDJPMld1Z2dlb3A0b0xsajhNb3BuVzVmcGloREJjOGZTYThwWWpUZUFHelBuU1BaVjZ4NXZiaUNQSkVpYTR2N00ydlA0X1BlZE5KZlpFZVY5MUtfQUtITmdLVVVHTEF1bjBET1lmS09wQTZ2OF9reFBzOTE5Wmk1TjBidkp0U0VFWTgwNWlqaDRWZm1hNFE?oc=5) · MyEasternShoreMD
- 2017-06-05 [Update: Cambridge Police ID, Arrest Suspect in Attempted Bank Robbery - wboc.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQUkNFREZuNUN6ZTR1dDk1ZzJXVmVrX0JybHVNTW5hU3NHeFdOVUlRMS1PYllSZlV6SVhJdjZ4R2RmUXo2YzRzZTlaZlBFTzBZX21pLTl4S1F5a1Jkcmx6Mmh3QVlQX0hpUzk5bWtCSjZuRUJlQ1d0WG03U05xcXFXa3ZGZEpnZmdvTnZxSVQ3U1duNDdjMFR1Wmotc0VpOWVZZzRBaDdwOW9PYmMyU2ljeGhsZVBpcGRFcnhUSHdjTlkyLUllVVl5TzFpY05hNVg0TnhkdE9sODZlYmwzMGcw?oc=5) · wboc.com
- 2023-08-02 [Lake Shore Savings hires new CFO, appoints COO in latest leadership changes - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQU3VqY3M3Nkt1bmRBNENXV2JORXRHM0JEdlp5djNjbnpvcVBJTU9SajZCNGxYQ0tKM3NJZFhUTllhbFJpUlBrOVhpbWZhNjlfdmNDZ0pIX25hRklzd1dPQXNiaDIzVENMbDNJUFBScWdVZDRTaTJjLTZlUHpnNG1FTXZOWmJZRmxGWDM0a2dRdzR0U2hjNU5ZTw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4829 (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/29.json (key "4829", 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