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Asset Quality · Maryland

US Banks with Lowest Texas Ratio (Cleanest Credit) in Maryland

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

#1 Texas Ratio (Cleanest Credit): QUEENSTOWN BANK OF MARYLAND — 0.64% . A Texas Ratio under 25% indicates a healthy credit profile — the bank's non-performing assets are well-covered by its capital and reserves.

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 the Texas Ratio? A Bank Failure Warning Sign
# Bank HQ US Banks with … Total Assets
1 Queenstown Bank of Maryland Queenstown , MD 0.64% $730.4M
2 Hebron Savings Bank Hebron , MD 0.77% $821.9M
3 Woodsboro Bank Woodsboro , MD 0.88% $469.6M
4 Middletown Valley Bank Middletown , MD 1.21% $1.15B
5 Peoples Bank, the Chestertown , MD 1.74% $293.2M
6 Farmers and Merchants Bank Upperco , MD 2.34% $863.2M
7 First Shore Federal Savings and Loan Association Salisbury , MD 2.42% $361.6M
8 Bayvanguard Bank Sparrows Point , MD 2.42% $901.6M
9 Chesapeake Bank & Trust Company Chestertown , MD 2.46% $134.0M
10 Calvin B. Taylor Banking Company of Berlin, Maryland Berlin , MD 2.48% $993.5M
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11 Jarrettsville Federal Savings and Loan Association Jarrettsville , MD 2.69% $165.2M
12 Rosedale Bank Nottingham , MD 2.69% $1.35B
13 Bank of Glen Burnie, the Glen Burnie , MD 2.83% $380.4M
14 Arundel Bank Glen Burnie , MD 3.10% $474.1M
15 First United Bank & Trust Oakland , MD 3.55% $2.01B
16 Cecil Bank Elkton , MD 3.59% $218.7M
17 Bank of Ocean City Ocean City , MD 4.34% $661.3M
18 Farmers Bank of Willards, the Willards , MD 5.94% $536.7M
19 Glen Burnie Mutual Savings Bank Glen Burnie , MD 6.04% $104.4M
20 Harford Bank Aberdeen , MD 7.06% $732.3M
21 Sandy Spring Bank Olney , MD 11.16% $13.77B
22 Shore United Bank, N.A. Easton , MD 11.19% $6.20B
23 Forbright Bank Potomac , MD 13.24% $8.25B
24 Presidential Bank, FSB Bethesda , MD 14.58% $1.02B
25 Harbor Bank of Maryland, the Baltimore , MD 14.97% $381.7M
26 Capital Bank, N.A. Rockville , MD 16.95% $3.76B
27 Eastern Savings Bank Federal Savings Bank Hunt Valley , MD 18.11% $354.0M
28 Eaglebank Bethesda , MD 29.39% $9.90B
29 Cfg Bank Lutherville , MD 37.79% $5.73B

More Asset Quality rankings

US Banks with Highest Texas Ratio US Banks with Highest Non-Performing Loan (NPL) Ratio US Banks with Highest Net Charge-Off Ratio US Banks with Highest Non-Performing Asset (NPA) Ratio

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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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