Financial strength ranking · Maryland · Call Report data as of Q2 2026

Best Banks in Maryland by Financial Strength

Hebron Savings Bank ranks first among the 25 banks headquartered in Maryland we score, with a financial strength score of 72.8 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: Hebron Savings Bank
Its score: 72.8 of 100
Banks scored in Maryland: 25
Its return on assets: 1.63%

Every scored bank in Maryland

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Maryland ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	Hebron Savings Bank Hebron	72.8	1.63%	53.17%	13.35%	0.10%	$838.8M
2	Bayvanguard Bank Sparrows Point	68.7	1.55%	53.76%	17.13%	0.39%	$868.7M
3	Bank of Ocean City Ocean City	63.0	1.44%	45.34%	11.65%	0.44%	$695.0M
4	Calvin B. Taylor Banking Company of Berlin, Maryland Berlin	62.8	1.45%	51.85%	13.65%	0.57%	$1.02B
5	Chesapeake Bank & Trust Company Chestertown	62.5	2.14%	53.87%	9.76%	0.17%	$141.5M
6	The Farmers Bank of Willards Willards	52.7	1.43%	58.34%	12.13%	0.76%	$547.6M
7	Queenstown Bank of Maryland Queenstown	51.1	0.89%	63.22%	11.60%	0.08%	$729.5M
8	First United Bank & Trust Oakland	50.3	1.17%	64.45%	11.56%	0.24%	$2.05B
9	CFG Bank Lutherville	47.1	1.39%	52.93%	11.29%	3.28%	$6.12B
10	Shore United Bank, N.A. Easton	46.4	1.37%	50.81%	10.00%	1.05%	$6.15B
11	First Shore Federal Savings and Loan Association Salisbury	44.9	0.91%	69.59%	17.39%	0.67%	$366.5M
12	Farmers and Merchants Bank Upperco	43.0	1.00%	62.31%	9.98%	0.19%	$874.5M
13	Woodsboro Bank Woodsboro	42.6	1.05%	61.25%	8.77%	0.07%	$483.3M
14	Harford Bank Aberdeen	42.1	1.20%	56.72%	9.95%	0.68%	$776.6M
15	Rosedale Bank Nottingham	41.6	0.45%	78.78%	18.61%	0.37%	$1.36B
16	Jarrettsville Federal Savings and Loan Association Jarrettsville	36.2	0.35%	80.40%	12.20%	0.26%	$167.1M
17	EagleBank Bethesda	36.0	0.35%	55.79%	11.49%	1.44%	$9.62B
18	Arundel Bank Glen Burnie	35.8	0.25%	85.73%	13.99%	0.37%	$492.1M
19	Middletown Valley Bank Middletown	35.6	-0.22%	60.28%	9.18%	0.10%	$1.19B
20	Forbright Bank Potomac	27.7	0.54%	71.34%	11.24%	1.09%	$8.48B
21	Capital Bank, N.A. Rockville	27.6	1.34%	66.87%	8.97%	1.74%	$3.84B
22	The Harbor Bank of Maryland Baltimore	23.7	0.14%	96.37%	12.36%	1.13%	$383.2M
23	The Bank of Glen Burnie Glen Burnie	20.5	-0.24%	93.80%	8.79%	0.17%	$394.9M
24	Glen Burnie Mutual Savings Bank Glen Burnie	19.2	0.25%	72.07%	8.80%	0.56%	$103.9M
25	Presidential Bank, FSB Bethesda	18.2	0.87%	85.39%	9.63%	1.27%	$1.01B

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Maryland?

By our financial strength score, Hebron Savings Bank of Hebron ranks first among the 25 scored banks headquartered in Maryland, scoring 72.8 out of 100 for Q2 2026: return on assets of 1.63%, an efficiency ratio of 53.17%, a Tier 1 leverage ratio of 13.35% and nonperforming assets of 0.10% of total assets. Bayvanguard Bank and Bank of Ocean City rank second and third.

How are the best banks in Maryland ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in Maryland

Largest banks in Maryland Bank deposits in Maryland Largest credit unions in Maryland Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.