FDIC Cert #28780 · Glen Burnie, Maryland · Est. 1906

Arundel Federal Savings Bank - FDIC Bank Health Profile

A community-scale look at Arundel Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$445M
Total assets
B
Health grade · Good
0.12%
Return on assets
15.2%
Tier 1 capital

Data updated July 2026

The verdict

Arundel Federal Savings Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 15.17% Tier 1, 0.12% ROA, 94% efficiency ratio.

#1,938
largest of 4,313 FDIC banks by assets
55th
percentile by asset size, nationally
15.17%
Tier 1 ratio - above the 10% well-capitalized line
7th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 28780 · MD B · 67/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • MID-PACK #3205/4307
  • PHOTO-FINISH Hoyne Savings Bank · IL
  • TIER1-WELL 15.2% Tier 1
  • TEXAS-CLEAN 2.9% Texas
  • ROA-THIN 0.12% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: Hoyne Savings Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Arundel Federal Savings Bank

Lowest and highest poles plus nearest scored peers outside Maryland, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Ambler Savings Bank · PA · n…67/100Arundel Federal Savi… · MD ·…67/100First Federal Saving… · PA ·…67/100Hoyne Savings Bank · IL · ne…67/100The Brattleboro Savi… · VT ·…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Arundel Federal Savings Bank · July 2026

Call Report read for Arundel Federal Savings Bank in a high-failure state

Arundel Federal Savings Bank (FDIC Cert #28780) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,205 of 4,307. Tier 1 capital prints at 15.17%, clearing the 10% well-capitalized line. The Texas Ratio is 2.94%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.12%. Balance-sheet scale is $445M, 1,938th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Hoyne Savings Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Arundel Federal Savings Bank

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

Arundel Federal Savings Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Arundel Federal Savings Bank's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maryland banks.

How Arundel Federal Savings Bank's 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
Arundel Federal Savings Bank's composite health score
Tier 1 Capital Ratio (15.17%) 40/40
Return on Assets (ROA) (0.12%) 7/25
Texas Ratio (2.94%) 20/20
Efficiency Ratio (94.10%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$445M

Total balance-sheet footings

Total Deposits

$339M

Customer-funded liabilities

Net Loans

$365M

Outstanding loan book

Net Income

$544K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.77% 15.17% 16.57%
Basel III capital ratios - Arundel Federal Savings Bank

Where Arundel Federal Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Arundel Federal Savings Bank's score of 67/100 falls in the highlighted band.

Arundel Federal Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 26th percentile higher than 26% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Arundel Federal Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Arundel Federal Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Arundel Federal Savings Bank's $445M falls in the highlighted band.

Capital & credit buffers at Arundel Federal Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

15.17% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.17%
Texas Ratio
2.94%
Equity Capital
$65M

What these ratios mean →

Profitability metrics: Arundel Federal Savings Bank

Return on Assets (ROA)
7th percentile nationally
0.12%
Return on Equity (ROE)
0.85%
Efficiency Ratio
94.10%

What these mean →

Income & expense at Arundel Federal Savings Bank

$20M
Interest Income
$388K
Non-Interest Income
$10M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Arundel Federal Savings Bank reports a Texas Ratio of 2.94% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Arundel Federal Savings Bank on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

Top 5 banks in Maryland ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($445M here), outside Maryland so the neighborhood is not state containment.

Integrity Bank & Trust $445M · CO The National Grand Bank of Marblehead $445M · MA Bank of the Plains $446M · KS The City National Bank of Colorado Ci… $445M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Arundel Federal Savings Bank (FDIC Cert #28780) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Arundel Federal Savings Bank Call Report profile · FDIC Failed Bank List · Maryland FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
EagleBankBethesda $10.4B C -1.20%
Forbright BankPotomac $7.9B B 1.35%
Shore United Bank, National AssociationEaston $6.3B B 1.08%
CFG BankLutherville $5.7B B 1.43%
Capital Bank, National AssociationRockville $3.5B B 1.51%
First United Bank & TrustOakland $2.1B A 1.27%
Rosedale BankNottingham $1.3B B 0.18%
Middletown Valley BankMiddletown $1.1B B 0.90%