Maryland Code, Financial Institutions § 9-633

(i) Whether the plan is fair to the stockholders of the converting association and the general public;

(ii) That insurance of the savings accounts will remain in effect after the conversion;

(iii) That, after conversion, the commercial bank will be in sound financial condition and will be soundly managed;

(iv) That conversion will not impair the capital of the association nor adversely affect the association's operations; and

(v) That no person, member, employee, or otherwise will receive any inequitable gain or advantage by reason of the conversion;

(i) Reasonably required to protect the welfare of the commercial bank; and

(ii) Not detrimental to the public interest or to the commercial bank; and