The Bank of Glen Burnie: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 9.80 percentage points in Q2 2026, from 68.32% to 78.12%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Bank of Glen Burnie is 3rd from the bottom among 27 Maryland banks, 74.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of Glen Burnie sits 5.87 points lower, at 74.97% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $267.6M |
| Net loans and leases | $264.5M |
| Loans held for sale | $0 |
| Loans to total assets | 67.77% |
| Loan-to-deposit ratio | 74.97% |
| Net loans to equity capital | 12.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.79% |
| Multifamily (5+ residential) | 2.61% |
| Commercial and industrial | 16.47% |
| Consumer | 21.39% |
| Credit cards | 0.02% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 78.12% |
| Construction concentration (Tier 1 capital + allowance) | 16.95% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.62% |
| Interest income on loans | $3.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $174.8M | $314.9M | 23.64% | 9.18% | 14.17% |
| Q4 2023 | $176.3M | $300.2M | 22.22% | 9.54% | 13.22% |
| Q1 2024 | $177.9M | $309.3M | 21.94% | 10.78% | 12.41% |
| Q2 2024 | $201.5M | $305.9M | 21.26% | 10.71% | 11.24% |
| Q3 2024 | $207.0M | $314.3M | 24.24% | 10.65% | 10.73% |
| Q4 2024 | $205.2M | $309.2M | 23.73% | 10.94% | 10.18% |
| Q1 2025 | $207.4M | $317.3M | 22.76% | 11.48% | 10.67% |
| Q2 2025 | $213.4M | $317.3M | 23.71% | 11.53% | 11.31% |
| Q3 2025 | $215.3M | $329.1M | 21.79% | 14.48% | 11.19% |
| Q4 2025 | $231.2M | $332.4M | 22.16% | 16.10% | 11.96% |
| Q1 2026 | $242.6M | $357.5M | 20.91% | 16.60% | 16.62% |
| Q2 2026 | $267.6M | $357.0M | 19.79% | 16.47% | 21.39% |
The Bank of Glen Burnie loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Glen Burnie, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Glen Burnie profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16820) · FFIEC NIC profile (RSSD 628123)