BlastPoint's Banking Scorecard

Rosedale Bank

$1B-$10B Specialty: Commercial MD FDIC cert 29613

Designations: ✓ Community bank

Nottingham, MD

15 branches across MD

884 banks in the $1B-$10B peer group nationally 9 in MD

Rosedale Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 38.5% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Return on Assets 1.26% below tier average
- Net Interest Margin 1.25% below tier average
- Non-Interest-Bearing Deposit Share 14.70% below tier average
- Non-Interest Income / Assets 0.22% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$1.3B +6.4% YoY +2.0% QoQ	-$1.5B	$2.8B -0.1% YoY	$1.8B +4.9% YoY	$6.2B +9.1% YoY	25%
Total Loans ?	$942.7M +3.7% YoY -0.6% QoQ	-$1.0B	$2.0B +0.6% YoY	$1.3B +7.3% YoY	$3.2B +10.8% YoY	28%
Total Deposits ?	$1.1B +7.3% YoY +2.5% QoQ	-$1.3B	$2.3B -0.3% YoY	$1.6B +7.4% YoY	$4.8B +8.2% YoY	22%
Return on Assets ?	0.11% +303.5% YoY -40.4% QoQ	-1.26%	1.37% +19.6% YoY	0.90% +4.7% YoY	1.23% +13.4% YoY	Bottom 3.2% in tier
Net Interest Margin ?	2.56% +15.1% YoY +4.4% QoQ	-1.25%	3.82% +6.9% YoY	3.69% +5.2% YoY	3.89% +5.7% YoY	Bottom 6.4% in tier
Efficiency Ratio ?	85.33% -12.4% YoY -2.9% QoQ	+24.27%	61.06% -4.6% YoY	68.69% -3.5% YoY	66.95% -4.1% YoY	Bottom 5.2% in tier
Delinquency Rate ?	0.57% -12.4% YoY +9.2% QoQ	-0.32%	0.89% +14.1% YoY	1.00% +1.9% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	86.86% -3.4% YoY -3.1% QoQ	+2.66%	84.20% +0.3% YoY	87.36% +2.8% YoY	76.70% +0.9% YoY	48%
Non-Interest-Bearing Deposit Share ?	6.59% +5.9% YoY +8.3% QoQ	-14.70%	21.29% -2.5% YoY	20.21% -0.6% YoY	22.01% -1.2% YoY	Bottom 6.1% in tier
Nonperforming Asset Ratio ?	0.40% -15.1% YoY +6.3% QoQ	-0.27%	0.67% +15.6% YoY	0.86% +7.2% YoY	0.67% +19.3% YoY	53%
Tier 1 Capital Ratio ?	18.79% -4.3% YoY -0.9% QoQ	+3.63%	15.16% +2.0% YoY	16.27% -0.9% YoY	17.06% +0.8% YoY	Top 9.8% in tier
Non-Interest Income / Assets ?	0.04% +20.7% YoY -78.4% QoQ	-0.22%	0.26% +1.6% YoY	0.12% -21.7% YoY	0.32% +4.1% YoY	Bottom 5.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#68 of 174 • Bottom 38.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.79%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 86.86%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#38 of 74 • Bottom 50.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 85.33%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

Tier 1 Capital Ratio

capital

Value: 18.79%

Peer Median: 15.16%

#88 of 884 Top 9.8% in $1B-$10B

Top Weaknesses (6 metrics)

857

Return on Assets

profitability

Value: 0.11%

Peer Median: 1.37%

#857 of 884 Bottom 3.2% in $1B-$10B

839

Efficiency Ratio

profitability

Value: 85.33%

Peer Median: 61.06%

#839 of 884 Bottom 5.2% in $1B-$10B

838

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.26%

#838 of 884 Bottom 5.3% in $1B-$10B

831

Non-Interest-Bearing Deposit Share

funding

Value: 6.59%

Peer Median: 21.29%

#831 of 884 Bottom 6.1% in $1B-$10B

828

Net Interest Margin

profitability

Value: 2.56%

Peer Median: 3.82%

#828 of 884 Bottom 6.4% in $1B-$10B

691

Total Deposits

size

Value: $1.09B

Peer Median: $2.34B

#691 of 884 Bottom 21.9% in $1B-$10B