BlastPoint's Banking Scorecard

The Queenstown Bank of Maryland

$100M-$1B Specialty: Commercial MD FDIC cert 8816

Queenstown, MD

9 branches across MD

2664 banks in the $100M-$1B peer group nationally 17 in MD

The Queenstown Bank of Maryland has 2 strengths but faces 3 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 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- ROA 0.46% below tier average
- Net Interest Margin 0.88% below tier average
- Efficiency Ratio 1.28% above 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 ?	$730.4M +5.4% YoY +2.2% QoQ	+$344.3M	$386.1M +0.5% YoY	$1.8B +4.9% YoY	$6.2B +9.1% YoY	Top 11.0% in tier
Total Loans ?	$456.0M +2.4% YoY +1.2% QoQ	+$200.3M	$255.7M +1.1% YoY	$1.3B +7.3% YoY	$3.2B +10.8% YoY	85%
Total Deposits ?	$650.0M +5.1% YoY +2.2% QoQ	+$322.0M	$328.0M +0.1% YoY	$1.6B +7.4% YoY	$4.8B +8.2% YoY	Top 9.7% in tier
Return on Assets ?	0.81% -5.4% YoY +0.1% QoQ	-0.46%	1.27% +12.9% YoY	0.90% +4.7% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	3.05% +1.9% YoY -0.5% QoQ	-0.88%	3.93% +6.0% YoY	3.69% +5.2% YoY	3.89% +5.7% YoY	Bottom 12.8% in tier
Efficiency Ratio ?	66.57% +5.2% YoY +1.2% QoQ	+1.28%	65.29% -4.5% YoY	68.69% -3.5% YoY	66.95% -4.1% YoY	41%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.00% +1.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	70.16% -2.5% YoY -1.0% QoQ	-6.48%	76.64% +0.8% YoY	87.36% +2.8% YoY	76.70% +0.9% YoY	66%
Non-Interest-Bearing Deposit Share ?	27.87% -1.4% YoY +2.7% QoQ	+5.85%	22.02% -1.0% YoY	20.21% -0.6% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.86% +7.2% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	18.57% +3.8% YoY +2.0% QoQ	+2.74%	15.83% +1.5% YoY	16.27% -0.9% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.07% -2.7% YoY -74.8% QoQ	-0.21%	0.28% +9.3% YoY	0.12% -21.7% YoY	0.32% +4.1% YoY	34%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

260

Total Deposits

size

Value: $649.95M

Peer Median: $327.97M

#260 of 2664 Top 9.7% in $100M-$1B

295

Total Assets

size

Value: $730.38M

Peer Median: $386.08M

#295 of 2664 Top 11.0% in $100M-$1B

401

Total Loans

size

Value: $456.00M

Peer Median: $255.72M

#401 of 2664 Top 15.0% in $100M-$1B

456

Tier 1 Capital Ratio

capital

Value: 18.57%

Peer Median: 15.83%

#456 of 2664 Top 17.1% in $100M-$1B

640

Non-Interest-Bearing Deposit Share

funding

Value: 27.87%

Peer Median: 22.02%

#640 of 2664 Top 24.0% in $100M-$1B

Top Weaknesses (1 metrics)

2323

Net Interest Margin

profitability

Value: 3.05%

Peer Median: 3.93%

#2323 of 2664 Bottom 12.8% in $100M-$1B