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Glen Burnie Bancorp (GLBZ) investor relations material
Glen Burnie Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Net income for Q3 2025 was $125,000 ($0.04 per share), nearly flat year-over-year but a $337,000 sequential improvement; nine-month net income was $66,000, reversing a prior year loss.
Acquisition of VA Wholesale Mortgage Incorporated (VAWM) in August 2025 expanded mortgage origination, contributed to higher non-interest income and expenses, and is expected to drive future growth.
Comprehensive income for the nine months was $2.9 million, up from $2.6 million, driven by reduced unrealized losses on securities.
Financial highlights
Net interest margin rose to 3.24% in Q3 2025, up 11 basis points sequentially and 10 basis points year-over-year.
Net interest income for Q3 2025 was $2.83 million, up $10,000 year-over-year and up from $2.7 million in Q2 2025; for the nine months, it was $8.13 million, down $48,000.
Non-interest income rose by $217,000 in Q3, mainly from mortgage commissions; total non-interest income was $571,000, driven by $192,000 in mortgage fees from VAWM.
Non-interest expense increased by $280,000 year-over-year, mainly due to VAWM acquisition costs and higher salaries.
Deposits increased by $19.9 million (6.4%) to $329.1 million, and all short-term borrowings and FHLB advances were paid off by quarter-end.
Outlook and guidance
Management expects continued focus on loan growth, cost control, and increased non-interest income from mortgage fees due to the VAWM acquisition.
The company is monitoring regulatory changes, FDIC assessment proposals, and CRA rule developments for potential impacts.
No material impact from recent tax legislation is expected for 2025.
VAWM earn-out payments impact on financials
What drove the ACL coverage ratio decline?
When will CECL control weakness be fully resolved?
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Next Glen Burnie Bancorp earnings date
Q4 20256 Feb, 2026
Next Glen Burnie Bancorp earnings date
Q4 20256 Feb, 2026
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Frequently asked questions
Glen Burnie Bancorp is the holding company for The Bank of Glen Burnie, a community bank offering a range of financial services. The bank provides traditional banking products, including checking and savings accounts, personal and business loans, as well as online and mobile banking services. It serves individuals, small businesses, and other customers primarily in Maryland. The company is headquartered in Glen Burnie, Maryland, and its shares are listed on the NASDAQ.
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