Maryland Code, Financial Institutions § 4-301

(a) If a savings bank has a guaranty fund that is less than 5 percent of its total deposits, the savings bank:

(b) If a savings bank has a guaranty fund that is less than 5 percent of its total deposits, the savings bank shall add to its initial guaranty fund, at the end of each fiscal year, at least 10 percent of its net earnings, calculated before interest on the transferable deferred payment certificates.