Rank The Banks. Maryland 2017 Q1

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1 Rank The Banks Maryland 2017 Q1

2 Disclosure Statement This material has been prepared from publicly available information by certain personnel of Banks Street Partners, LLC and its affiliate, BSP Securities, LLC, and not by an equity research department. It is not classified as investment research or a research recommendation, nor does it constitute analysis substantive enough on which to base an investment decision. It is provided solely for informational purposes and is not an invitation or offer to subscribe for or purchase any product or service. The data contained herein is from sources believed to be reliable but may be subject to revision at any time without notice. Banks Street Partners, LLC and its personnel may, from time to time, participate or invest in transactions with issuers of securities referred to herein, perform services for or solicit business from such issuers, and/or have a position or effect transactions in the securities or derivatives thereof. Past performance should not be taken as an indication or guarantee of future performance, and no representation or warranty, expressed or implied is made regarding future performance. The information set forth above has been obtained from or based upon sources believed by the personnel to be reliable, but we do not represent or warrant its accuracy or completeness and are not responsible for losses or damages arising out of errors, omissions or changes in market factors. This material does not purport to contain all of the information that an interested party may desire and, in fact, provides only a limited view of a particular market. IRS Circular 230 Disclosure: BSP and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters included herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone not affiliated with BSP of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties. This presentation is not to be considered a solicitation to buy or sell any securities and does not constitute a commitment by any BSP entity to underwrite, subscribe for or place any securities or to arrange credit or to provide any other services. 2

3 Banks Street Partners Professionals Seasoned professionals with more than 190 years of combined experience and more than 1,000 transactions in the financial services industry ATLANTA CHARLOTTE Lee Burrows Chief Executive Officer (404) Mark Saunders Managing Director (404) Jeff Adams Managing Director (404) Will Brackett Senior Vice President (404) Joe Maloney Senior Vice President/Analyst (404) Berkeley McKeown Analyst (404) Jackson Davis Analyst (404) Nicole Mansfield Chief Marketing Officer (404) Alison Pickett Business Manager (404) Gary McNorrill President GMcNorrill@BanksStreetPartners.com (704) Andy Hitt Managing Director AHitt@BanksStreetPartners.com (919) Matt Kennedy Vice President MKennedy@BanksStreetPartners.com (704) Sam Poole Analyst SPoole@BanksStreetPartners.com (704) Kristen Ertz Project Manager KErtz@BanksStreetPartners.com (704)

4 Rankings Per State Bank Listing Company Name - City - Parent Company - Date Established - Number of Offices - Employees - S Corp? - - ROAA - ROAE Top 50 Ranking by City - Employees- Number of Offices - Deposits - Deposits/Office - /Office - Deposits/Employee - /Employee - Net Interest Margin City - - Yield on Loans - Loan Growth Rate - Cost of Funds - Deposit Growth Rate - Loans/Deposits - Yield on Investment Securities (FTE) - Net Interest Margin Noninterest Income City - - Net Income - Service Charge on Deposits/Avg - Gain on Sale of Loans/Avg. - Net Servicing Fees/Avg - Net Gains on OREO/Avg. - Noninterest Income - Noninterest Income/Avg Overhead City - - Efficiency Ratio (FTE) - Employees - Number of Offices - Personnel Expense/Avg. - Occupancy Expense/Avg. - Other Expense/Avg. - Overhead/Avg Asset Quality City - - Gross Loans - LLR/Gross Loans - Adj Loans 30-89PD/Gross Loans - Adj 90+ PD/Gross Loans - Adj NPLs + Adj OREO/Gross Loans - NCO/Avg Loans - Asset Quality Composite ROAE City - - LTM Net Income - Employees - LTM Net Income/Employee 2016Q1 LTM Net Income Q1 LTM Net Income - ROAA - ROAE Overall City - - Net Interest Margin Rank - Noninterest Income Rank - Overhead Rank - Asset Quality Rank - ROAE Rank - Overall Rank 4

5 Excluded Banks & Calculation Notes Excluded Banks: Excluded banks are usually special-purpose banks (such as trust banks), subsidiaries of foreign companies, or companies for which necessary data is not available as of this report None Calculation Notes: All data in this report is bank-level and is as of or for the 12 months ending March 31, 2017 (unless noted otherwise) For banks that elect subchapter S status, return on average assets and return on average equity are adjusted to reflect the impact of a 35% corporate tax rate on net income Asset quality index is the sum of: (Adjusted Loans PD/Loans) + (Adjusted Loans 90 PD/Loans )+ (Adjusted NPLs/Loans) + (Adjusted OREO/Loans) + (Net Chargeoffs/Avg Loans). Adjustments are made to exclude loans for which repayment of principal is wholly or partially guaranteed by the US government Overall ranking is based on an unweighted average of Net Interest Margin rank, Noninterest Income rank, Overhead rank, Asset Quality rank and ROAE rank 5

6 Maryland Bank Listing Company Name City Parent Company Date Established Number of Offices Employees S Corp (Yes/No) ROAA 1880 Bank Cambridge Delmarva Bancshares, Inc. 1/1/ No 325, Arundel Federal Savings Bank Glen Burnie 1/1/ No 449, Bank of Delmarva Salisbury Delmar Bancorp 5/4/ No 518, Bank of Glen Burnie Glen Burnie Glen Burnie Bancorp 8/17/ No 395, Bank of Ocean City Ocean City 1/1/ No 299, Bay Bank, FSB Columbia Bay Bancorp, Inc. 7/10/ No 633, Bay-Vanguard FSB (MHC) Sparrows Point Bay-Vanguard, M.H.C. 9/1/ No 169,805 (0.06) Calvin B. Taylor Banking Company of Berlin, Maryland Berlin Calvin B. Taylor Bankshares, Inc. 1/1/ No 484, Capital Bank, National Association Rockville Capital Bancorp, Inc. 12/14/ No 892, Carroll Community Bank Sykesville Carroll Bancorp, Inc. 1/1/ No 170, Cecil Bank Elkton Cecil Bancorp, Inc. 10/7/ No 211,498 (0.40) CFG Community Bank Baltimore Capital Funding Bancorp, Inc. 1/1/ Yes 690, Chesapeake Bank & Trust Company Chestertown Chesapeake Bancorp 12/15/ Yes 110, Chesapeake Bank of Maryland Baltimore Banks of the Chesapeake, MHC 1/1/ No 179, Colombo Bank Rockville 7/1/ No 207, Columbia Bank Columbia Fulton Financial Corporation 5/12/ No 2,350, Community Bank of the Chesapeake Waldorf Community Financial Corporation 1/1/ No 1,353, Congressional Bank Bethesda Congressional Bancshares, Inc. 10/17/ No 855, County First Bank La Plata 3/28/ No 233, Damascus Community Bank Damascus DCB Bancshares, Inc. 7/1/ No 315, EagleBank Bethesda Eagle Bancorp, Inc. 7/20/ No 7,075, Eastern Savings Bank, FSB Hunt Valley 5/29/ Yes 338, Farmers and Merchants Bank Upperco Farmers and Merchants Bancshares, Inc. 10/24/ No 398, Farmers Bank of Willards Willards 1/3/ No 340, First Mariner Bank Baltimore 1/1/ No 964,606 (0.04) First Shore Federal Savings and Loan Association Salisbury 12/18/ No 306, First United Bank & Trust Oakland First United Corporation 1/2/ No 1,298, Frederick County Bank Frederick Frederick County Bancorp, Inc. 10/18/ No 393, Glen Burnie Mutual Savings Bank Glen Burnie 5/5/ No 92, Hamilton Bank Towson Hamilton Bancorp, Inc. 1/1/ No 509,905 (0.14) Harbor Bank of Maryland Baltimore Harbor Bankshares Corporation 9/13/ No 256,677 (2.51) Harford Bank Aberdeen 5/1/ No 345, Hebron Savings Bank Hebron HSB Bancorp, Inc. 6/11/ No 570, Homewood Federal Savings Bank Baltimore 1/1/ No 55, Howard Bank Ellicott City Howard Bancorp, Inc. 8/9/ No 1,048, Jarrettsville Federal Savings and Loan Association Jarrettsville 12/11/ No 123, Kopernik Bank Baltimore 4/4/ No 91, Madison Bank of Maryland Forest Hill MB Bancorp, Inc. 5/4/ No 138,396 (1.20) Maryland Financial Bank Towson 10/25/ No 61,832 (1.72) Middletown Valley Bank Middletown 1/4/ No 304, Midstate Community Bank Baltimore 4/4/ No 169, New Windsor State Bank New Windsor New Windsor Bancorp, Inc. 9/3/ No 315, North Arundel Savings Bank Pasadena 1/1/ No 45, Old Line Bank Bowie Old Line Bancshares, Inc. 9/28/ No 1,761, Peoples Bank Chestertown Peoples Bancorp, Inc. 10/1/ No 241,

7 Maryland Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees S Corp (Yes/No) Presidential Bank, FSB Bethesda Presidential Holdings, Inc. 4/15/ No 573, Provident State Bank, Inc. Preston PSB Holding Corporation 3/26/ No 377, Queenstown Bank of Maryland Queenstown Queenstown Bancorp of Maryland, Inc. 7/1/ No 476, Revere Bank Laurel 11/20/ No 1,949, Rosedale Federal Savings and Loan Association Baltimore 1/1/ No 831, Saint Casimir's Savings Bank Baltimore 8/9/ No 87,311 (1.07) Sandy Spring Bank Olney Sandy Spring Bancorp, Inc. 4/13/ No 5,190, Severn Savings Bank, FSB Annapolis Severn Bancorp, Inc. 1/1/ No 795, Shore United Bank Easton Shore Bancshares, Inc. 6/1/ No 1,151, Woodsboro Bank Woodsboro 5/1/ No 236, ROAA 7

8 Maryland Asset Ranking Rank Company Name City Employees Number of Offices Deposits Deposits / Office / Office Deposits / Employee / Employee 1 EagleBank Bethesda ,874, , ,928 12,473 15,022 7,075,490 2 Sandy Spring Bank Olney ,807,567 84, ,343 5,237 7,140 5,190,423 3 Columbia Bank Columbia ,822,550 56,955 73,441 8,029 10,353 2,350,098 4 Revere Bank Laurel ,663, , ,218 8,074 9,463 1,949,401 5 Old Line Bank Bowie ,373,245 65,393 83,886 5,971 7,659 1,761,606 6 Community Bank of the Chesapeake Waldorf ,053,693 87, ,761 6,386 8,201 1,353,134 7 First United Bank & Trust Oakland ,029,355 44,755 56,478 3,207 4,047 1,298,990 8 Shore United Bank Easton ,005,323 55,851 63,961 4,977 5,700 1,151,299 9 Howard Bank Ellicott City ,933 66,687 80,656 2,842 3,438 1,048, First Mariner Bank Baltimore ,671 55,691 68,900 2,785 3, , Capital Bank, National Association Rockville , , ,564 4,526 5, , Congressional Bank Bethesda , , ,593 2,517 2, , Rosedale Federal Savings and Loan Association Baltimore ,735 69,193 92,361 6,487 8, , Severn Savings Bank, FSB Annapolis , , ,120 3,953 5, , CFG Community Bank Baltimore , , ,047 4,987 6, , Bay Bank, FSB Columbia ,457 37,604 45,226 4,178 5, , Presidential Bank, FSB Bethesda ,875 50,688 57,368 1,785 2, , Hebron Savings Bank Hebron ,007 37,077 43,897 3,679 4, , Bank of Delmarva Salisbury ,592 36,549 43,213 3,566 4, , Hamilton Bank Towson ,249 69,375 84,984 5,625 6, , Calvin B. Taylor Banking Company of Berlin, Maryland Berlin ,537 40,254 48,401 4,237 5, , Queenstown Bank of Maryland Queenstown ,357 52,170 59,605 4,174 4, , Arundel Federal Savings Bank Glen Burnie ,380 54,769 64,160 5,325 6, , Farmers and Merchants Bank Upperco ,626 45,089 56,875 4,208 5, , Bank of Glen Burnie Glen Burnie ,752 42,594 49,428 3,786 4, , Frederick County Bank Frederick ,006 66,601 78,780 4,500 5, , Provident State Bank, Inc. Preston ,129 45,161 53,975 3,513 4, , Harford Bank Aberdeen ,802 34,225 43,141 3,803 4, , Farmers Bank of Willards Willards ,513 30,501 37,826 3,612 4, , Eastern Savings Bank, FSB Hunt Valley ,110 47,622 67,666 1,984 2, , Bank Cambridge ,313 45,552 54,240 5,942 7, , New Windsor State Bank New Windsor ,560 40,794 45,029 3,482 3, , Damascus Community Bank Damascus ,966 46,994 52,516 3,810 4, , First Shore Federal Savings and Loan Association Salisbury ,545 31,818 38,308 3,394 4, , Middletown Valley Bank Middletown ,963 46,161 50,761 3,597 3, , Bank of Ocean City Ocean City ,970 44,495 49,835 4,767 5, , Harbor Bank of Maryland Baltimore ,854 32,836 36,668 3,284 3, , Peoples Bank Chestertown ,932 29,847 34,476 2,985 3, , Woodsboro Bank Woodsboro ,869 29,267 33,793 3,304 3, , County First Bank La Plata ,023 29,432 33,358 4,682 5, , Cecil Bank Elkton ,754 17,084 23,500 2,957 4, , Colombo Bank Rockville ,435 30,287 41,431 3,442 4, , Chesapeake Bank of Maryland Baltimore ,916 39,229 44,923 3,566 4, , Carroll Community Bank Sykesville ,680 46,893 56,954 5,024 6, , Midstate Community Bank Baltimore , , ,854 8,549 9, , Bay-Vanguard FSB (MHC) Sparrows Point ,668 35,917 42,451 3,883 4, , Madison Bank of Maryland Forest Hill ,781 33,927 46,132 3,635 4, , Jarrettsville Federal Savings and Loan Association Jarrettsville ,361 96, ,169 7,412 9, , Chesapeake Bank & Trust Company Chestertown ,870 25,957 36,715 3,708 5, , Glen Burnie Mutual Savings Bank Glen Burnie ,023 85,023 92,122 21,256 23,031 92,122 8

9 Maryland Net Interest Margin Ranking Rank Company Name City Yield on Loans Loan Growth Rate Cost of Funds Deposit Growth Rate Loans/ Deposits Yield on Investment Securities (FTE) Net Interest Margin 1 Eastern Savings Bank, FSB Hunt Valley 338, (6.55) CFG Community Bank Baltimore 690, Capital Bank, National Association Rockville 892, Congressional Bank Bethesda 855, Shore United Bank Easton 1,151, Farmers Bank of Willards Willards 340, EagleBank Bethesda 7,075, Bay Bank, FSB Columbia 633, Bank Cambridge 325, Farmers and Merchants Bank Upperco 398, North Arundel Savings Bank Pasadena 45, Bay-Vanguard FSB (MHC) Sparrows Point 169, (3.47) Queenstown Bank of Maryland Queenstown 476, (1.13) Revere Bank Laurel 1,949, Presidential Bank, FSB Bethesda 573, (3.79) Provident State Bank, Inc. Preston 377, Bank of Delmarva Salisbury 518, Kopernik Bank Baltimore 91, Harbor Bank of Maryland Baltimore 256, (1.54) New Windsor State Bank New Windsor 315, Harford Bank Aberdeen 345, Howard Bank Ellicott City 1,048, Old Line Bank Bowie 1,761, Frederick County Bank Frederick 393, Hebron Savings Bank Hebron 570, County First Bank La Plata 233, Community Bank of the Chesapeake Waldorf 1,353, Middletown Valley Bank Middletown 304, Chesapeake Bank of Maryland Baltimore 179, First Mariner Bank Baltimore 964, (0.66) Homewood Federal Savings Bank Baltimore 55, (4.12) 0.87 (6.30) Damascus Community Bank Damascus 315, Sandy Spring Bank Olney 5,190, Rosedale Federal Savings and Loan Association Baltimore 831, First United Bank & Trust Oakland 1,298, (0.67) First Shore Federal Savings and Loan Association Salisbury 306, (0.94) Calvin B. Taylor Banking Company of Berlin, Maryland Berlin 484, Colombo Bank Rockville 207, Carroll Community Bank Sykesville 170, Severn Savings Bank, FSB Annapolis 795, Chesapeake Bank & Trust Company Chestertown 110, Bank of Ocean City Ocean City 299, Woodsboro Bank Woodsboro 236, (5.88) 0.37 (0.02) Columbia Bank Columbia 2,350, Peoples Bank Chestertown 241, Bank of Glen Burnie Glen Burnie 395, Hamilton Bank Towson 509, Cecil Bank Elkton 211, (17.94) 1.01 (20.22) Midstate Community Bank Baltimore 169, (1.39) Jarrettsville Federal Savings and Loan Association Jarrettsville 123, (3.74)

10 Maryland Noninterest Income Ranking Rank Company Name City Net Income Service Charges on Deposits/ Avg Gain on Sale of Loans/ Avg Asset Net Servicing Fees/ Avg Net Gains on OREO/ Avg Noninterest Income NonInterest Income/ Avg 1 Presidential Bank, FSB Bethesda 573,680 5, (0.07) 30, Congressional Bank Bethesda 855,559 11, , First Mariner Bank Baltimore 964,606 (351) , Capital Bank, National Association Rockville 892,692 9, (0.02) 21, CFG Community Bank Baltimore 690,141 14, , Howard Bank Ellicott City 1,048,528 6, (0.01) 16, Bay Bank, FSB Columbia 633,165 2, (0.04) 8, Peoples Bank Chestertown 241,335 1, , First United Bank & Trust Oakland 1,298,990 8, (0.03) 13, Damascus Community Bank Damascus 315,098 1, , Sandy Spring Bank Olney 5,190,423 52, , Columbia Bank Columbia 2,350,098 22, , Shore United Bank Easton 1,151,299 10, (0.04) 8, New Windsor State Bank New Windsor 315,201 1, , Cecil Bank Elkton 211,498 (907) , Chesapeake Bank & Trust Company Chestertown 110,144 1, Kopernik Bank Baltimore 91,974 1, Severn Savings Bank, FSB Annapolis 795,599 15, (0.02) 5, Eastern Savings Bank, FSB Hunt Valley 338,330 6, , Provident State Bank, Inc. Preston 377,827 1, (0.11) 2, Woodsboro Bank Woodsboro 236, , Harbor Bank of Maryland Baltimore 256,677 (6,453) , Bank of Delmarva Salisbury 518,553 4, , Bank Cambridge 325,441 8, (0.06) 1, Old Line Bank Bowie 1,761,606 17, , Calvin B. Taylor Banking Company of Berlin, Maryland Berlin 484,012 5, (0.01) 2, Bank of Glen Burnie Glen Burnie 395,423 1, , Farmers and Merchants Bank Upperco 398,123 3, (0.02) 1, EagleBank Bethesda 7,075, , (0.01) 24, Hebron Savings Bank Hebron 570,657 3, (0.01) 2, North Arundel Savings Bank Pasadena 45, Middletown Valley Bank Middletown 304,565 1, (0.03) 1, Harford Bank Aberdeen 345,130 1, (0.01) 1, Frederick County Bank Frederick 393,900 1, , County First Bank La Plata 233,507 1, Bank of Ocean City Ocean City 299,008 2, (0.01) Community Bank of the Chesapeake Waldorf 1,353,134 10, (0.03) 3, Queenstown Bank of Maryland Queenstown 476,837 5, , Hamilton Bank Towson 509,905 (687) , Farmers Bank of Willards Willards 340,438 2, (0.16) First Shore Federal Savings and Loan Association Salisbury 306,467 1, Colombo Bank Rockville 207, (0.01) Chesapeake Bank of Maryland Baltimore 179, (0.22) Saint Casimir's Savings Bank Baltimore 87,311 (959) Madison Bank of Maryland Forest Hill 138,396 (1,634) Carroll Community Bank Sykesville 170, (0.02) Bay-Vanguard FSB (MHC) Sparrows Point 169,805 (102) (0.10) Revere Bank Laurel 1,949,401 10, , Homewood Federal Savings Bank Baltimore 55, Arundel Federal Savings Bank Glen Burnie 449,123 1, Glen Burnie Mutual Savings Bank Glen Burnie 92, Rosedale Federal Savings and Loan Association Baltimore 831,247 6,

11 Maryland Overhead Ranking Rank Company Name City Efficiency Ratio (FTE) Employees Number of Offices Personnel Expense/ Avg. Occupancy Expense/ Avg. Other Expense/ Avg. Overhead/ Avg. 1 Glen Burnie Mutual Savings Bank Glen Burnie 92, EagleBank Bethesda 7,075, Midstate Community Bank Baltimore 169, Bank of Ocean City Ocean City 299, Arundel Federal Savings Bank Glen Burnie 449, Rosedale Federal Savings and Loan Association Baltimore 831, Calvin B. Taylor Banking Company of Berlin, Maryland Berlin 484, Jarrettsville Federal Savings and Loan Association Jarrettsville 123, Queenstown Bank of Maryland Queenstown 476, Community Bank of the Chesapeake Waldorf 1,353, Old Line Bank Bowie 1,761, Revere Bank Laurel 1,949, Chesapeake Bank & Trust Company Chestertown 110, Homewood Federal Savings Bank Baltimore 55, Hebron Savings Bank Hebron 570, Sandy Spring Bank Olney 5,190, First Shore Federal Savings and Loan Association Salisbury 306, Columbia Bank Columbia 2,350, Hamilton Bank Towson 509, County First Bank La Plata 233, Bank of Delmarva Salisbury 518, Bank of Glen Burnie Glen Burnie 395, Farmers and Merchants Bank Upperco 398, Farmers Bank of Willards Willards 340, Harford Bank Aberdeen 345, Bank Cambridge 325, Middletown Valley Bank Middletown 304, Carroll Community Bank Sykesville 170, Saint Casimir's Savings Bank Baltimore 87, Severn Savings Bank, FSB Annapolis 795, Frederick County Bank Frederick 393, First United Bank & Trust Oakland 1,298, Chesapeake Bank of Maryland Baltimore 179, Kopernik Bank Baltimore 91, Bay-Vanguard FSB (MHC) Sparrows Point 169, Provident State Bank, Inc. Preston 377, North Arundel Savings Bank Pasadena 45, Madison Bank of Maryland Forest Hill 138, Woodsboro Bank Woodsboro 236, Maryland Financial Bank Towson 61, Shore United Bank Easton 1,151, Colombo Bank Rockville 207, Peoples Bank Chestertown 241, New Windsor State Bank New Windsor 315, Damascus Community Bank Damascus 315, Howard Bank Ellicott City 1,048, CFG Community Bank Baltimore 690, Bay Bank, FSB Columbia 633, Cecil Bank Elkton 211, Congressional Bank Bethesda 855,

12 Maryland Asset Quality Ranking Rank Company Name City Gross Loans Loan Loss Reserves/ Gross Loans Adj 30-89PD/ Gross Loans Adj 90+PD/ Gross Loans Adj NPLs + Adj OREO/ Gross Loans Net Chargeoffs/ Avg Loans Asset Quality Composite 1 Revere Bank Laurel 1,949,401 1,646, EagleBank Bethesda 7,075,490 5,870, Columbia Bank Columbia 2,350,098 1,738, (0.01) Farmers and Merchants Bank Upperco 398, , Sandy Spring Bank Olney 5,190,423 4,010, Damascus Community Bank Damascus 315, , (0.02) Old Line Bank Bowie 1,761,606 1,426, New Windsor State Bank New Windsor 315, , Chesapeake Bank of Maryland Baltimore 179, , Middletown Valley Bank Middletown 304, , Woodsboro Bank Woodsboro 236, , Capital Bank, National Association Rockville 892, , Provident State Bank, Inc. Preston 377, , Bank of Ocean City Ocean City 299, , (0.03) Bank of Glen Burnie Glen Burnie 395, , Glen Burnie Mutual Savings Bank Glen Burnie 92,122 67, Colombo Bank Rockville 207, , Howard Bank Ellicott City 1,048, , Community Bank of the Chesapeake Waldorf 1,353,134 1,114, Hamilton Bank Towson 509, , Carroll Community Bank Sykesville 170, , (0.01) CFG Community Bank Baltimore 690, , Homewood Federal Savings Bank Baltimore 55,981 42, Frederick County Bank Frederick 393, , Congressional Bank Bethesda 855, , Arundel Federal Savings Bank Glen Burnie 449, , Calvin B. Taylor Banking Company of Berlin, Maryland Berlin 484, , Shore United Bank Easton 1,151, , First Shore Federal Savings and Loan Association Salisbury 306, , Maryland Financial Bank Towson 61,832 45, Chesapeake Bank & Trust Company Chestertown 110,144 64, North Arundel Savings Bank Pasadena 45,053 39, Bay Bank, FSB Columbia 633, , First United Bank & Trust Oakland 1,298, , Harford Bank Aberdeen 345, , Jarrettsville Federal Savings and Loan Association Jarrettsville 123,169 84, Severn Savings Bank, FSB Annapolis 795, , (0.05) Bank Cambridge 325, , Queenstown Bank of Maryland Queenstown 476, , Saint Casimir's Savings Bank Baltimore 87,311 15, County First Bank La Plata 233, , (0.18) Farmers Bank of Willards Willards 340, , Peoples Bank Chestertown 241, , (0.16) Harbor Bank of Maryland Baltimore 256, , (0.04) Bank of Delmarva Salisbury 518, , First Mariner Bank Baltimore 964, , Presidential Bank, FSB Bethesda 573, , Madison Bank of Maryland Forest Hill 138,396 84, Bay-Vanguard FSB (MHC) Sparrows Point 169, , Midstate Community Bank Baltimore 169,854 98,

13 Maryland Return on Average Equity Ranking Rank Company Name City LTM Net Income Employees LTM Net Income / Employee 2016Q1 LTM Net Income 2015Q1 LTM Net Income ROAA ROAE Bank Cambridge 325,441 8, ,212 1, Severn Savings Bank, FSB Annapolis 795,599 15, ,079 4, Capital Bank, National Association Rockville 892,692 9, ,158 7, Congressional Bank Bethesda 855,559 11, ,403 3, EagleBank Bethesda 7,075, , ,463 64, CFG Community Bank Baltimore 690,141 14, ,201 9, Chesapeake Bank & Trust Company Chestertown 110,144 1, ,294 1, Shore United Bank Easton 1,151,299 10, ,750 2, Old Line Bank Bowie 1,761,606 17, ,818 8, Sandy Spring Bank Olney 5,190,423 52, ,698 39, Presidential Bank, FSB Bethesda 573,680 5, ,951 2, Queenstown Bank of Maryland Queenstown 476,837 5, ,173 3, Farmers and Merchants Bank Upperco 398,123 3, ,276 3, Bank of Delmarva Salisbury 518,553 4, ,027 3, Bank of Ocean City Ocean City 299,008 2, ,251 2, Revere Bank Laurel 1,949,401 10, ,207 4, Hebron Savings Bank Hebron 570,657 3, ,464 2, Farmers Bank of Willards Willards 340,438 2, ,328 1, Community Bank of the Chesapeake Waldorf 1,353,134 10, ,326 7, Columbia Bank Columbia 2,350,098 22, ,045 15, Howard Bank Ellicott City 1,048,528 6, ,781 11, Eastern Savings Bank, FSB Hunt Valley 338,330 6, ,177 (196) Calvin B. Taylor Banking Company of Berlin, Maryland Berlin 484,012 5, ,481 4, First United Bank & Trust Oakland 1,298,990 8, ,219 5, Damascus Community Bank Damascus 315,098 1, , New Windsor State Bank New Windsor 315,201 1, ,953 1, Kopernik Bank Baltimore 91,974 1, Provident State Bank, Inc. Preston 377,827 1, ,048 1, Peoples Bank Chestertown 241,335 1, , Harford Bank Aberdeen 345,130 1, ,973 2, Middletown Valley Bank Middletown 304,565 1, County First Bank La Plata 233,507 1, , North Arundel Savings Bank Pasadena 45, Frederick County Bank Frederick 393,900 1, ,000 1, Bay Bank, FSB Columbia 633,165 2, ,933 3, First Shore Federal Savings and Loan Association Salisbury 306,467 1, ,410 1, Bank of Glen Burnie Glen Burnie 395,423 1, ,309 1, Rosedale Federal Savings and Loan Association Baltimore 831,247 6, ,165 9, Woodsboro Bank Woodsboro 236, Jarrettsville Federal Savings and Loan Association Jarrettsville 123, (91) Midstate Community Bank Baltimore 169, Carroll Community Bank Sykesville 170, Chesapeake Bank of Maryland Baltimore 179, Arundel Federal Savings Bank Glen Burnie 449,123 1, , Homewood Federal Savings Bank Baltimore 55, Glen Burnie Mutual Savings Bank Glen Burnie 92, Colombo Bank Rockville 207, (1,476) First Mariner Bank Baltimore 964,606 (351) 280 (1) (5,518) (4,461) (0.04) (0.34) 49 Bay-Vanguard FSB (MHC) Sparrows Point 169,805 (102) 37 (3) (0.06) (0.50) 50 Hamilton Bank Towson 509,905 (687) 74 (9) 929 (221) (0.14) (1.34) 13

14 Maryland Overall Ranking Rank Company Name City Net Interest Margin Rank Noninterest Income Rank Overhead Rank Asset Quality Rank ROAE Rank Overall Rank 1 EagleBank Bethesda 7,075, Capital Bank, National Association Rockville 892, Sandy Spring Bank Olney 5,190, Old Line Bank Bowie 1,761, Farmers and Merchants Bank Upperco 398, CFG Community Bank Baltimore 690, Congressional Bank Bethesda 855, Revere Bank Laurel 1,949, Shore United Bank Easton 1,151, Columbia Bank Columbia 2,350, Bank Cambridge 325, Chesapeake Bank & Trust Company Chestertown 110, Bank of Ocean City Ocean City 299, Queenstown Bank of Maryland Queenstown 476, New Windsor State Bank New Windsor 315, Community Bank of the Chesapeake Waldorf 1,353, Provident State Bank, Inc. Preston 377, Howard Bank Ellicott City 1,048, Damascus Community Bank Damascus 315, Bank of Delmarva Salisbury 518, Calvin B. Taylor Banking Company of Berlin, Maryland Berlin 484, Middletown Valley Bank Middletown 304, Severn Savings Bank, FSB Annapolis 795, Presidential Bank, FSB Bethesda 573, Farmers Bank of Willards Willards 340, Bay Bank, FSB Columbia 633, First United Bank & Trust Oakland 1,298, Hebron Savings Bank Hebron 570, North Arundel Savings Bank Pasadena 45, Harford Bank Aberdeen 345, Kopernik Bank Baltimore 91, Frederick County Bank Frederick 393, Bank of Glen Burnie Glen Burnie 395, Eastern Savings Bank, FSB Hunt Valley 338, Woodsboro Bank Woodsboro 236, County First Bank La Plata 233, Chesapeake Bank of Maryland Baltimore 179, First Shore Federal Savings and Loan Association Salisbury 306, Homewood Federal Savings Bank Baltimore 55, Glen Burnie Mutual Savings Bank Glen Burnie 92, Peoples Bank Chestertown 241, Hamilton Bank Towson 509, Carroll Community Bank Sykesville 170, Arundel Federal Savings Bank Glen Burnie 449, Rosedale Federal Savings and Loan Association Baltimore 831, First Mariner Bank Baltimore 964, Colombo Bank Rockville 207, Jarrettsville Federal Savings and Loan Association Jarrettsville 123, Bay-Vanguard FSB (MHC) Sparrows Point 169, Harbor Bank of Maryland Baltimore 256,

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