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Profitability · Maryland

US Banks with Highest Net Interest Margin (NIM) in Maryland

Ranked among banks headquartered in Maryland. Re-ranked 1-29 within the state from the same national ranking population.

#1 Net Interest Margin (NIM): EASTERN SAVINGS BANK FEDERAL SAVINGS BANK — 5.69% . Net Interest Margin (NIM) measures the spread between interest earned on assets and interest paid on liabilities — the core unit economics of a commercial bank.

Ranked: 29 banks with reported data Showing: Top 29 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry Go deeper: What Is Net Interest Margin? A Bank Profitability Guide
# Bank HQ US Banks with … Total Assets
1 Eastern Savings Bank Federal Savings Bank Hunt Valley , MD 5.69% $354.0M
2 Capital Bank, N.A. Rockville , MD 5.61% $3.76B
3 Chesapeake Bank & Trust Company Chestertown , MD 4.69% $134.0M
4 Harbor Bank of Maryland, the Baltimore , MD 4.66% $381.7M
5 Hebron Savings Bank Hebron , MD 4.57% $821.9M
6 Farmers Bank of Willards, the Willards , MD 4.38% $536.7M
7 Bayvanguard Bank Sparrows Point , MD 4.21% $901.6M
8 Peoples Bank, the Chestertown , MD 4.12% $293.2M
9 Woodsboro Bank Woodsboro , MD 4.04% $469.6M
10 Calvin B. Taylor Banking Company of Berlin, Maryland Berlin , MD 3.90% $993.5M
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11 Cfg Bank Lutherville , MD 3.90% $5.73B
12 Cecil Bank Elkton , MD 3.85% $218.7M
13 First United Bank & Trust Oakland , MD 3.78% $2.01B
14 Harford Bank Aberdeen , MD 3.78% $732.3M
15 Middletown Valley Bank Middletown , MD 3.74% $1.15B
16 Shore United Bank, N.A. Easton , MD 3.73% $6.20B
17 Bank of Ocean City Ocean City , MD 3.54% $661.3M
18 Farmers and Merchants Bank Upperco , MD 3.39% $863.2M
19 First Shore Federal Savings and Loan Association Salisbury , MD 3.38% $361.6M
20 Bank of Glen Burnie, the Glen Burnie , MD 3.28% $380.4M
21 Presidential Bank, FSB Bethesda , MD 3.24% $1.02B
22 Forbright Bank Potomac , MD 3.14% $8.25B
23 Queenstown Bank of Maryland Queenstown , MD 2.96% $730.4M
24 Sandy Spring Bank Olney , MD 2.70% $13.77B
25 Eaglebank Bethesda , MD 2.53% $9.90B
26 Rosedale Bank Nottingham , MD 2.51% $1.35B
27 Jarrettsville Federal Savings and Loan Association Jarrettsville , MD 2.47% $165.2M
28 Arundel Bank Glen Burnie , MD 2.32% $474.1M
29 Glen Burnie Mutual Savings Bank Glen Burnie , MD 1.34% $104.4M

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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