---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-105107"
form_type: "8-K"
ticker: "GLBZ"
cik: "0000890066"
company_name: "GLEN BURNIE BANCORP"
filed_at: "2025-11-03T23:59:59+00:00"
generated_at: "2026-05-17T01:02:01.732615+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Glen Burnie Bancorp reports Q3 2025 net income $125k; completes VAWM acquisition

## Summary
- Net income of $125k ($0.04 EPS) vs $129k in Q3 2024; improved from $(212)k loss in Q2 2025.
- Net interest margin (tax eq) expanded to 3.24%, up 11 bps linked quarter and 10 bps YoY.
- Total loans $215.3M (+$2.0M QoQ); total deposits $329.1M (+$11.8M QoQ); paid off all FHLB advances.
- Completed acquisition of VA Wholesale Mortgage on Aug 15 for $750k note plus earn-out; contributed $192k in mortgage fees in stub period.
- Non-performing loans ratio 0.56%; allowance to loans 1.19%; all regulatory capital ratios exceed well-capitalized minimums.

## SEC filing metadata
- accession: 0001104659-25-105107
- form_type: 8-K
- ticker: GLBZ
- cik: 0000890066
- company_name: GLEN BURNIE BANCORP
- filed_at: 2025-11-03T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/890066/000110465925105107/0001104659-25-105107-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/890066/000110465925105107/tm2530046d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-105107
- JSON: https://secwatch.observer/filing/0001104659-25-105107.json
- Plain text: https://secwatch.observer/filing/0001104659-25-105107.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.