RANKING ·
Lowest efficiency ratio in Maryland
26 of 27 banks in Maryland that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Bank of Ocean City | Ocean City, MD | 45.4% | $695 million |
| 2 | Calvin B. Taylor Banking Company of Berlin, Maryland | Berlin, MD | 51.9% | $1.0 billion |
| 3 | Cfg Bank | Lutherville, MD | 52.9% | $6.1 billion |
| 4 | Hebron Savings Bank | Hebron, MD | 53.3% | $839 million |
| 5 | Chesapeake Bank & Trust Company | Chestertown, MD | 53.9% | $142 million |
| 6 | Shore United Bank N.A. | Easton, MD | 54.0% | $6.1 billion |
| 7 | Bayvanguard Bank | Baltimore, MD | 54.2% | $869 million |
| 8 | Eaglebank | Bethesda, MD | 56.6% | $9.6 billion |
| 9 | Harford Bank | Aberdeen, MD | 56.9% | $777 million |
| 10 | The Farmers Bank of Willards | Willards, MD | 58.4% | $548 million |
| 11 | Middletown Valley Bank | Middletown, MD | 60.5% | $1.2 billion |
| 12 | Eastern Savings Bank Federal Savings Bank | Hunt Valley, MD | 60.5% | $336 million |
| 13 | Woodsboro Bank | Woodsboro, MD | 61.6% | $483 million |
| 14 | Farmers and Merchants Bank | Upperco, MD | 62.7% | $874 million |
| 15 | Queenstown Bank of Maryland | Queenstown, MD | 63.3% | $730 million |
| 16 | First United Bank & Trust | Oakland, MD | 64.8% | $2.1 billion |
| 17 | Capital Bank N.A. | Rockville, MD | 66.9% | $3.8 billion |
| 18 | First Shore Federal Savings and Loan Association | Salisbury, MD | 69.7% | $367 million |
| 19 | Glen Burnie Mutual Savings Bank | Glen Burnie, MD | 72.1% | $104 million |
| 20 | Forbright Bank | Potomac, MD | 72.1% | $8.5 billion |
| 21 | Jarrettsville Federal Savings and Loan Association | Jarrettsville, MD | 80.4% | $167 million |
| 22 | Rosedale Bank | Nottingham, MD | 82.0% | $1.4 billion |
| 23 | Presidential Bank FSB | Bethesda, MD | 85.4% | $1.0 billion |
| 24 | Arundel Federal Savings Bank | Glen Burnie, MD | 90.4% | $492 million |
| 25 | The Bank of Glen Burnie | Glen Burnie, MD | 95.5% | $395 million |
| 26 | The Harbor Bank of Maryland | Baltimore, MD | 96.4% | $383 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings