Asset Quality ranking · Maryland · Call report data as of September 30, 2026
Maryland Banks: Highest CRE Delinquency
Presidential Bank, FSB has the highest commercial real estate noncurrent rate of the 24 ranked banks headquartered in Maryland, at 2.58% as of September 30, 2026. The median among the 24 ranked Maryland banks is 0.30%, against 0.19% for all US banks.
This list ranks Maryland banks by commercial real estate noncurrent rate. For the largest banks headquartered in Maryland, see largest banks in Maryland.
- No. 1 in Maryland
- Presidential Bank, FSB
- Its CRE noncurrent
- 2.58%
- Maryland median
- 0.30%
- Banks ranked
- 24
Ranked among banks headquartered in Maryland, numbered 1 to 24 within the state from the same population as the national list. Browse every bank in the Maryland bank directory.
Top 24 Maryland banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Maryland median of 0.30%. Missing values show as a dash and sort last.
| 1 | Presidential Bank, FSB Bethesda, MD | 2.58% | $1.01B $1B to $10B |
| 2 | The Harbor Bank of Maryland Baltimore, MD | 2.50% | $395.7M $100M to $1B |
| 3 | Bank of Ocean City Ocean City, MD | 1.89% | $738.3M $100M to $1B |
| 4 | EagleBank Bethesda, MD | 1.75% | $9.42B $1B to $10B |
| 5 | Harford Bank Aberdeen, MD | 1.66% | $799.4M $100M to $1B |
| 6 | Capital Bank, N.A. Rockville, MD | 1.32% | $3.76B $1B to $10B |
| 7 | First Shore Federal Savings and Loan Association Salisbury, MD | 1.21% | $363.2M $100M to $1B |
| 8 | Eastern Savings Bank Federal Savings Bank Hunt Valley, MD | 0.89% | $308.5M $100M to $1B |
| 9 | The Farmers Bank of Willards Willards, MD | 0.77% | $556.0M $100M to $1B |
| 10 | Forbright Bank Potomac, MD | 0.70% | $9.60B $1B to $10B |
| 11 | CFG Bank Lutherville, MD | 0.47% | $6.30B $1B to $10B |
| 12 | Calvin B. Taylor Banking Company of Berlin, Maryland Berlin, MD | 0.32% | $1.08B $1B to $10B |
| 13 | Shore United Bank, N.A. Easton, MD | 0.28% | $6.45B $1B to $10B |
| 14 | The Bank of Glen Burnie Glen Burnie, MD | 0.18% | $398.7M $100M to $1B |
| 15 | Bayvanguard Bank Sparrows Point, MD | 0.18% | $868.7M $100M to $1B |
| 16 | First United Bank & Trust Oakland, MD | 0.13% | $2.07B $1B to $10B |
| 17 | Queenstown Bank of Maryland Queenstown, MD | 0.04% | $737.5M $100M to $1B |
| 18 | Rosedale Bank Nottingham, MD | 0.00% | $1.33B $1B to $10B |
| 19 | Middletown Valley Bank Middletown, MD | 0.00% | $1.19B $1B to $10B |
| 20 | Farmers and Merchants Bank Upperco, MD | 0.00% | $866.2M $100M to $1B |
| 21 | Hebron Savings Bank Hebron, MD | 0.00% | $850.1M $100M to $1B |
| 22 | Arundel Bank Glen Burnie, MD | 0.00% | $496.7M $100M to $1B |
| 23 | Woodsboro Bank Woodsboro, MD | 0.00% | $489.5M $100M to $1B |
| 24 | Jarrettsville Federal Savings and Loan Association Jarrettsville, MD | 0.00% | $165.1M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 24 banks headquartered in Maryland that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Maryland has the highest commercial real estate noncurrent rate?
Presidential Bank, FSB has the highest commercial real estate noncurrent rate of the 24 ranked banks headquartered in Maryland, at 2.58% as of September 30, 2026, according to its FFIEC call report. The Harbor Bank of Maryland ranks second at 2.50%. The median is 0.30%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Maryland rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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