Arundel Bank: how it compares with its peers
Against 12 MD banks with half to twice its assets, Arundel Bank's strongest measure in Q2 2026 is assets per employee ($8.5M vs. a $7.2M peer median). Its weakest relative measure is net interest margin (2.32% vs. 4.06%).
| Measure | Arundel Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.16% | 1.05% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.32% | 4.06% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 92.74% | 62.76% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $7.2M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.14% | 83.82% | Context |
What it means for lending operations
Its efficiency ratio of 92.74% is above the 62.76% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Woodsboro Bank Woodsboro, MD · $483M
- The Farmers Bank of Willards Willards, MD · $548M
- The Bank of Glen Burnie Glen Burnie, MD · $395M
- The Harbor Bank of Maryland Baltimore, MD · $383M
- First Shore Federal Savings and Loan Association Salisbury, MD · $367M
- Eastern Savings Bank, FSB Hunt Valley, MD · $336M
Questions about Arundel Bank
How big is Arundel Bank?
Arundel Bank, established in 1906, is headquartered in Glen Burnie, MD. It reported $492M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Arundel Bank's return on assets?
0.16% annualized in Q2 2026, against a 1.05% median for 12 MD banks with half to twice its assets, ahead of 8% of them.
What is Arundel Bank's efficiency ratio?
92.74% in Q2 2026: it spent about 93 cents in noninterest expense for each dollar of revenue. The peer median is 62.76%, and lower is better.
Is Arundel Bank growing its loans?
Net loans grew 0.1% over the year to Q2 2026, while deposits grew 8.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Maryland bank ranked.