# MARYLAND FINANCIAL BANK
TOWSON, MD · FDIC certificate 57821 · asset band <$300M · latest filing 2019-03 · 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 | $1.6M | |
| Deposits | $0 | |
| Loans and leases | $287,000 | |
| Total equity | $1.4M | |
| Loans / deposits | 0.00% (p1 of band) | 76.50% |
| Liquid assets / assets | 80.19% (p97 of band) | |
| Uninsured deposits / deposits | – | 15.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 44.91% (p98 of band) | 11.35% |
| Unrealized securities loss / equity | 0.00% (p69 of band) | -0.33% |
| AOCI / equity | 0.00% (p8 of band) | |
| ROA (annualized) | -32.74% (p0 of band) | 0.99% |
| Net interest margin | 0.37% (p0 of band) | 3.80% |
| Efficiency ratio | 4261.54% (p100 of band) | |
| Noncurrent loans | 100.00% (p100 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p7 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 | -100.0% | |
| Employees | 3 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money |  |
| 2011-09 | 4 | expense ratio p90 | charge-offs p90 |
| 2011-12 | 5 | charge-offs p90 |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking | expense ratio p90, charge-offs p90 |
| 2012-06 | 4 |  | deposits shrinking |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 | capital falling | assets shrinking |
| 2013-03 | 4 | charge-offs p90, assets shrinking | losing money, capital falling |
| 2013-06 | 6 | noncurrent p90, deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2013-09 | 7 | loans exceed deposits, charge-offs p90 | uninsured deposits leaving |
| 2013-12 | 6 | losing money | noncurrent p90, loans exceed deposits |
| 2014-03 | 6 | loans exceed deposits, capital falling | reserve under noncurrent, losing money |
| 2014-06 | 7 | losing money, reserve under noncurrent | capital falling |
| 2014-09 | 5 |  | assets shrinking, charge-offs p90 |
| 2014-12 | 5 | assets shrinking | losing money |
| 2015-03 | 8 | losing money, expense ratio p90, charge-offs p90 |  |
| 2015-06 | 6 | uninsured deposits leaving | deposits shrinking, assets shrinking, losing money |
| 2015-09 | 8 | noncurrent p90, deposits shrinking, assets shrinking | charge-offs p90 |
| 2015-12 | 7 | losing money | deposits shrinking, assets shrinking |
| 2016-03 | 9 | capital falling, charge-offs p90 |  |
| 2016-06 | 7 |  | uninsured deposits leaving, charge-offs p90 |
| 2016-09 | 8 | charge-offs p90, uninsured deposits leaving | noncurrent p90 |
| 2016-12 | 8 |  |  |
| 2017-03 | 6 |  | loans exceed deposits, charge-offs p90 |
| 2017-06 | 7 | NIM <2.5% |  |
| 2017-09 | 7 |  |  |
| 2017-12 | 7 | leverage <7% | uninsured deposits leaving |
| 2018-03 | 6 |  | wholesale funding >15% |
| 2018-06 | 8 | noncurrent p90, assets shrinking |  |
| 2018-09 | 9 | deposits shrinking |  |
| 2018-12 | 11 | brokered >10%, charge-offs p90, uninsured deposits leaving | expense ratio p90 |
| 2019-03 | 7 | expense ratio p90 | capital falling, leverage <7%, brokered >10%, charge-offs p90, uninsured deposits leaving |

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

- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2020-02-10 ['Changing of the guard' at Howard Bank as longtime executive departs - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPOE5PbTBZU2xWVWQtLVBDNnZIUzV0TXdfME1JaUtBWGhxLS1VRDZTcXNPR3dTakxOajBfRThNb2xjUDZiS1ZlMXBJUHRuVmt1eTZGVjU3M0NSeS1yWFN1SkQ3eXpUVzFRRWdSck9iSEJLWi05S1RLeWlIZFZzbG5XcndLT3VsMmFiTFdENDFQQnMydXk4cGFfTjVPbEtWLTNmRmd4YzBKRmh4Z0U?oc=5) · The Business Journals
- 2011-11-17 [On the move – 11/18/11: Nace joins Sinai orthopedic unit - Maryland Daily Record](https://news.google.com/rss/articles/CBMilAFBVV95cUxNT2ZGZzkyTVpSUGtBVERVT1lKcVlVYWZ5SGQtYXNrd1NmeGwtODlsZVFlYXhYMzFtenlER3h4R0ZodVF3U01JaEprSFBSbERXek1oZXlLbnFXQUNwbTRDQlNjVExLQ3lPcF9yYnFtRjhDVkJrRUUzRHhOa1B6UjJlV3A0YWt0dVZiczlKZ1JBOUJYUzJw?oc=5) · Maryland Daily Record
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57821 (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 "57821", 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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