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The Queenstown Bank of Maryland

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

Queenstown, MD

9 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 16 in MD.
  • Deposits +4.1% year over year ($648.8M on the books).
  • Delinquency rate 0.13%.
  • Return on assets 0.86%.
  • Efficiency ratio 64.86% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.42% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 16 in MD
View $100M-$1B leaderboard (MD) →

The Queenstown Bank of Maryland has 1 strength but faces 5 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 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 7.9% in tier
  • - Credit Risk Growth: Bottom 7.9% in tier
  • - ROA 0.46% below tier average
  • - Net Interest Margin 0.81% below tier average
  • - Efficiency Ratio 0.38% above tier average
Get updates when The Queenstown Bank of Maryland releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Total Assets ? $729.5M
+4.4% YoY -0.1% QoQ
+$343.0M $386.6M
+1.2% YoY
$1.8B
+4.0% YoY
$6.3B
+7.7% YoY
Top 11.3% in tier
Total Loans ? $469.9M
+4.1% YoY +3.1% QoQ
+$211.6M $258.3M
+1.7% YoY
$1.3B
+3.8% YoY
$3.2B
+9.4% YoY
Top 14.1% in tier
Total Deposits ? $648.8M
+4.1% YoY -0.2% QoQ
+$322.1M $326.7M
+0.7% YoY
$1.6B
+4.1% YoY
$4.9B
+7.3% YoY
Top 9.5% in tier
Return on Assets ? 0.86%
+6.4% YoY +6.1% QoQ
-0.46% 1.32%
+10.8% YoY
0.92%
+12.6% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 3.18%
+4.6% YoY +4.1% QoQ
-0.81% 3.99%
+5.0% YoY
3.72%
+5.0% YoY
3.95%
+4.9% YoY
15%
Efficiency Ratio ? 64.86%
-0.1% YoY -2.6% QoQ
+0.38% 64.48%
-3.2% YoY
67.38%
-3.5% YoY
70.05%
+2.5% YoY
43%
Delinquency Rate ? 0.13%
+9.9% YoY
-0.79% 0.92%
+15.7% YoY
1.07%
+9.6% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 72.42%
-0.0% YoY +3.2% QoQ
-5.53% 77.95%
+1.0% YoY
87.38%
+1.5% YoY
79.03%
+2.3% YoY
65%
Non-Interest-Bearing Deposit Share ? 28.50%
+6.3% YoY +2.3% QoQ
+6.47% 22.03%
-0.6% YoY
20.47%
+3.3% YoY
21.98%
-0.6% YoY
77%
Nonperforming Asset Ratio ? 0.08%
+9.6% YoY
-0.59% 0.67%
+16.4% YoY
0.90%
+8.0% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 18.42%
+3.3% YoY -0.8% QoQ
+2.51% 15.91%
+1.4% YoY
16.33%
+1.1% YoY
17.09%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.14%
-3.5% YoY +97.2% QoQ
-0.42% 0.57%
+7.6% YoY
0.25%
+1.8% YoY
0.66%
+5.2% YoY
33%

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 28.5%
+1.7pp YoY
+0.6pp QoQ
 +6.4pp 22.1% 21.3% 22.2% 77%
Brokered Deposits n/a n/a 7.9% 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 3.7%
+1.1pp YoY
+0.5pp QoQ
 -7.9pp 11.6% 8.9% 12.5% 13%
CRE 39.4%
-2.6pp YoY
-1.3pp QoQ
 -0.2pp 39.5% 50.0% 41.4% 52%
1-4 Family 51.2%
+2.5pp YoY
+1.1pp QoQ
 +18.5pp 32.6% 37.9% 31.3% 83%
Consumer 1.0%
-0.1pp YoY
0.0pp QoQ
 -3.1pp 4.1% 3.2% 5.0% 29%

Capital

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
CET1 Ratio 18.4%
+0.6pp YoY
-0.1pp QoQ
 -0.4pp 18.8% 16.4% 19.7% 72%
Leverage Ratio 11.6%
-0.3pp YoY
-0.1pp QoQ
 -0.6pp 12.2% 13.0% 12.6% 60%
Total Capital Ratio 19.7%
+0.6pp YoY
-0.1pp QoQ
 -0.3pp 19.9% 17.5% 20.8% 72%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Full-Time Employees 97
+1 (+1.0%) YoY
-1 (-1.0%) QoQ
 +38 58 170 482 86%
Assets per Employee ($) $7.5M
+3.4% YoY
+0.9% QoQ
 +$3K $7.5M $9.4M $8.8M 61%
Branch Count 9
0 YoY
0 QoQ
 +4 4 9 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Past Due 90+ Days 0.1% -0.2pp 0.3% 0.2% 0.4% 55%
Nonaccrual n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage 11.07x
-12.7% YoY
 -13.08x 24.15x 46.66x 20.23x 83%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 44%

Profitability

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
ROE 8.3%
+0.2pp YoY
+0.5pp QoQ
 -3.9pp 12.2% 8.0% 11.6% 27%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.9% 1.7% 34%
Net Income ($, YTD) $3.1M
+11.3% YoY
— QoQ
 +$554K $2.6M $8.4M $40.4M 71%

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)

Credit Quality Pressure

risk
#100 of 1256 • Bottom 7.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#75 of 936 • Bottom 7.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

253
Total Deposits
size
Value: $648.82M
Peer Median: $326.73M
#253 of 2643 Top 9.5% in $100M-$1B
299
Total Assets
size
Value: $729.53M
Peer Median: $386.57M
#299 of 2643 Top 11.3% in $100M-$1B
373
Total Loans
size
Value: $469.90M
Peer Median: $258.35M
#373 of 2643 Top 14.1% in $100M-$1B
463
Tier 1 Capital Ratio
capital
Value: 18.42%
Peer Median: 15.91%
#463 of 2643 Top 17.5% in $100M-$1B
599
Non-Interest-Bearing Deposit Share
funding
Value: 28.50%
Peer Median: 22.03%
#599 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (1 metrics)

2240
Net Interest Margin
profitability
Value: 3.18%
Peer Median: 3.99%
#2240 of 2643 Bottom 15.3% in $100M-$1B
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