BlastPoint's Banking Scorecard

Rosedale Bank

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

Designations: ✓ Community bank

Nottingham, MD

15 branches across MD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 10 in MD.
Deposits +8.0% year over year ($1.1B on the books).
Delinquency rate 0.53%.
Return on assets 0.28%.
Efficiency ratio 82.04% vs a 59.73% peer average.
Loan-to-deposit ratio 87.23% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (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 0.34% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 40.7% in tier
- Efficiency Drag: Bottom 61.7% in tier
- Return on Assets 1.11% below tier average
- Net Interest Margin 1.25% below tier average
- Non-Interest-Bearing Deposit Share 13.67% below tier average
- Non-Interest Income / Assets 0.43% below tier average

Get updates when Rosedale Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$1.4B +7.0% YoY +1.0% QoQ	-$1.4B	$2.8B -0.6% YoY	$1.8B +4.0% YoY	$6.3B +7.7% YoY	26%
Total Loans ?	$956.8M +3.7% YoY +1.5% QoQ	-$1.0B	$2.0B -0.3% YoY	$1.3B +3.8% YoY	$3.2B +9.4% YoY	29%
Total Deposits ?	$1.1B +8.0% YoY +1.1% QoQ	-$1.2B	$2.3B -0.5% YoY	$1.6B +4.1% YoY	$4.9B +7.3% YoY	22%
Return on Assets ?	0.28% +525.4% YoY +158.3% QoQ	-1.11%	1.39% +17.0% YoY	0.92% +12.6% YoY	1.30% +12.1% YoY	Bottom 3.4% in tier
Net Interest Margin ?	2.62% +12.2% YoY +2.1% QoQ	-1.25%	3.87% +6.2% YoY	3.72% +5.0% YoY	3.95% +4.9% YoY	Bottom 6.1% in tier
Efficiency Ratio ?	82.04% -11.4% YoY -3.9% QoQ	+22.31%	59.73% -12.6% YoY	67.38% -3.5% YoY	70.05% +2.5% YoY	Bottom 5.4% in tier
Delinquency Rate ?	0.53% -14.7% YoY -7.7% QoQ	-0.34%	0.87% +11.7% YoY	1.07% +9.6% YoY	0.98% +16.3% YoY	50%
Loan-to-Deposit Ratio ?	87.23% -4.0% YoY +0.4% QoQ	+2.19%	85.04% -0.1% YoY	87.38% +1.5% YoY	79.03% +2.3% YoY	50%
Non-Interest-Bearing Deposit Share ?	7.61% +15.3% YoY +15.4% QoQ	-13.67%	21.27% -1.5% YoY	20.47% +3.3% YoY	21.98% -0.6% YoY	Bottom 6.7% in tier
Nonperforming Asset Ratio ?	0.37% -17.3% YoY -7.3% QoQ	-0.30%	0.67% +11.7% YoY	0.90% +8.0% YoY	0.69% +15.8% YoY	55%
Tier 1 Capital Ratio ?	18.61% -5.4% YoY -0.9% QoQ	+3.77%	14.84% -0.4% YoY	16.33% +1.1% YoY	17.09% +0.8% YoY	Top 10.1% in tier
Non-Interest Income / Assets ?	0.09% +26.6% YoY +152.0% QoQ	-0.43%	0.53% +2.5% YoY	0.25% +1.8% YoY	0.66% +5.2% YoY	Bottom 8.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Noninterest-Bearing	7.6% +1.0pp YoY +1.0pp QoQ	-13.8pp	21.4%	21.3%	22.2%	6%
Brokered Deposits	n/a	n/a	9.5%	10.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
C&I	2.2% +0.9pp YoY -0.1pp QoQ	-11.8pp	14.0%	8.9%	12.5%	6%
CRE	43.1% +0.2pp YoY -0.9pp QoQ	-6.9pp	50.0%	50.0%	41.4%	31%
1-4 Family	55.3% -1.2pp YoY +1.1pp QoQ	+28.9pp	26.4%	37.9%	31.3%	93%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.6pp	4.7%	3.2%	5.0%	11%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	16.4%	19.7%	n/a
Leverage Ratio	18.6% -1.1pp YoY -0.2pp QoQ	+7.3pp	11.3%	13.0%	12.6%	97%
Total Capital Ratio	n/a	n/a	16.7%	17.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Full-Time Employees	148 -2 (-1.3%) YoY +3 (+2.1%) QoQ	-166	313	170	482	21%
Assets per Employee ($)	$9.2M +8.5% YoY -1.0% QoQ	-$1.3M	$10.5M	$9.4M	$8.8M	56%
Branch Count	15 0 YoY 0 QoQ	-5	20	9	18	50%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	0.5% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.8%	1.1%	1.0%	51%
Allowance Coverage	1.60x +9.8% YoY +2.8% QoQ	-17.11x	18.71x	46.66x	20.23x	40%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	31%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
ROE	1.5% +1.3pp YoY +0.9pp QoQ	-11.1pp	12.6%	8.0%	11.6%	2%
Cost of Funds (YTD)	1.9% -0.1pp YoY 0.0pp QoQ	0.0pp	1.9%	1.9%	1.7%	49%
Net Income ($, YTD)	$1.9M +562.8% YoY — QoQ	-$17.3M	$19.2M	$8.4M	$40.4M	3%

Get Full Access to Rosedale Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#71 of 172 • Bottom 40.7% 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: 18.61%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 87.23%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#38 of 60 • Bottom 61.7% in tier

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

Why this signature

Efficiency Ratio: 82.04%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

Tier 1 Capital Ratio

capital

Value: 18.61%

Peer Median: 14.84%

#90 of 885 Top 10.1% in $1B-$10B

Top Weaknesses (6 metrics)

856

Return on Assets

profitability

Value: 0.28%

Peer Median: 1.39%

#856 of 885 Bottom 3.4% in $1B-$10B

838

Efficiency Ratio

profitability

Value: 82.04%

Peer Median: 59.73%

#838 of 885 Bottom 5.4% in $1B-$10B

832

Net Interest Margin

profitability

Value: 2.62%

Peer Median: 3.87%

#832 of 885 Bottom 6.1% in $1B-$10B

827

Non-Interest-Bearing Deposit Share

funding

Value: 7.61%

Peer Median: 21.27%

#827 of 885 Bottom 6.7% in $1B-$10B

808

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.53%

#808 of 885 Bottom 8.8% in $1B-$10B

687

Total Deposits

size

Value: $1.10B

Peer Median: $2.32B

#687 of 885 Bottom 22.5% in $1B-$10B