Maryland Financial Bank

Maryland Financial Bank is headquartered in Towson and is the 75^th largest bank in the state of Maryland. It is also the 5,665^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 12 employees at 1 location. Maryland Financial Bank has a 2-star health rating.

Maryland Financial Bank Routing Number: 055003447

Data for Q1 2012

Institution Statistics Maryland Financial Bank FDIC Certificate # 57821 BankRate Report View Year Established 2004 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $73.90 million Loans $46.72 million Deposits $47.91 million Equity Capital $6.68 million Loan Loss Allowance $670,000 Unbacked Noncurrent Loans $2.02 million Real Estate Owned $1.97 million Historic Data - March 2011 Assets $83.74 million Equity Capital $6.39 million Loan Loss Allowance $791,000 Unbacked Noncurrent Loans $3.26 million Real Estate Owned $2.55 million Profit Margin - Quarterly Net Interest Margin 3.21% Return on Assets -0.42% Return on Equity -4.47% Interest Income $706,000

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Maryland Financial Bank had $3.98 million in non-current loans and owned real-estate with $7.35 million in equity and loan loss allowances on hand to cover it. This gives Maryland Financial Bank a Texas Ratio of 54.20% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Maryland Financial Bank decreased slightly from 81.01% as of March 31, 2011 to 54.20% as of March 31, 2012, resulting in a positive change of 33.09%.This indicates that the balance sheet and financial strength for Maryland Financial Bank has improved slightly in recent periods. Deposit Growth In the past year, Maryland Financial Bank has decreased its total deposits by -$5.74 million, resulting in -10.71% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Maryland Financial Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Maryland Financial Bank has $73.9 million in assets with $7.35 million in equity, resulting in a capitalization level of 9.94%, which is average.

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