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This institution is no longer active

Operations ceased on April 1, 2011. CRA examination history below reflects the period it was active.

MARYLAND BANK AND TRUST COMPANY

LEXINGTON PARK, MD · Supervised by FDIC

Est. 1959FDIC #18,115RSSD: FDIC-18115
Part ofMARYLAND BANKCORP INC→ View all charters
Outstanding Up

Current rating · Exam: December 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -0.75%

Is this bank safe?

MARYLAND BANK AND TRUST COMPANY earned an Outstanding CRA rating (1995), shows financial metrics that merit closer review (ROA -0.75%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

46930 South Shangri La Drive, LEXINGTON PARK, MD

County

St. Mary'S County

Established

November 30, 1959

Total Assets

$346M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

December 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2011Call Report / FDIC

Total Assets

$346M

Total Deposits

$297M

Net Loans

$202M

Net Income

$-645K

ROA

-0.75%

Below avg for Small banks. Peer avg: 0.44%

ROE

-10.66%

Risk-Based Capital

13.28%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-0.75%Peer avg: 0.44%▼ Below avg
Risk-Based Capital13.28%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Dec 1995OutstandingNot Reported
Mar 1994SatisfactoryNot Reported
Jan 1991SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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