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Profitability · Maryland

Most Efficient US Banks (Lowest Efficiency Ratio) in Maryland

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

#1 US Banks (Lowest Efficiency Ratio): BANK OF OCEAN CITY — 47.01% . The efficiency ratio measures non-interest operating expense against net revenue — a lower ratio means the bank converts more of each revenue dollar into pre-tax income.

Ranked: 29 banks with reported data Showing: Top 29 Source: FFIEC call reports (Q1 2026) What is this metric? See the Most Efficient US … glossary entry Go deeper: What Is the Bank Efficiency Ratio? Formula, Benchmarks, and What Moves It
# Bank HQ Most Efficient US … Total Assets
1 Bank of Ocean City Ocean City , MD 47.01% $661.3M
2 Calvin B. Taylor Banking Company of Berlin, Maryland Berlin , MD 48.14% $993.5M
3 Cfg Bank Lutherville , MD 48.97% $5.73B
4 Hebron Savings Bank Hebron , MD 53.78% $821.9M
5 Shore United Bank, N.A. Easton , MD 54.89% $6.20B
6 First United Bank & Trust Oakland , MD 57.28% $2.01B
7 Chesapeake Bank & Trust Company Chestertown , MD 57.70% $134.0M
8 Eaglebank Bethesda , MD 58.68% $9.90B
9 Farmers Bank of Willards, the Willards , MD 59.72% $536.7M
10 Eastern Savings Bank Federal Savings Bank Hunt Valley , MD 61.57% $354.0M
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11 Middletown Valley Bank Middletown , MD 61.60% $1.15B
12 Harford Bank Aberdeen , MD 61.75% $732.3M
13 Farmers and Merchants Bank Upperco , MD 63.30% $863.2M
14 Woodsboro Bank Woodsboro , MD 63.49% $469.6M
15 Queenstown Bank of Maryland Queenstown , MD 66.53% $730.4M
16 First Shore Federal Savings and Loan Association Salisbury , MD 68.44% $361.6M
17 Capital Bank, N.A. Rockville , MD 70.33% $3.76B
18 Forbright Bank Potomac , MD 73.52% $8.25B
19 Peoples Bank, the Chestertown , MD 75.36% $293.2M
20 Bayvanguard Bank Sparrows Point , MD 78.71% $901.6M
21 Sandy Spring Bank Olney , MD 80.20% $13.77B
22 Glen Burnie Mutual Savings Bank Glen Burnie , MD 80.56% $104.4M
23 Harbor Bank of Maryland, the Baltimore , MD 83.71% $381.7M
24 Rosedale Bank Nottingham , MD 85.33% $1.35B
25 Jarrettsville Federal Savings and Loan Association Jarrettsville , MD 89.30% $165.2M
26 Presidential Bank, FSB Bethesda , MD 90.86% $1.02B
27 Cecil Bank Elkton , MD 94.12% $218.7M
28 Bank of Glen Burnie, the Glen Burnie , MD 95.27% $380.4M
29 Arundel Bank Glen Burnie , MD 95.28% $474.1M

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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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