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Rosedale Bank

Nottingham, MD · Cert 29613

SL · OCC · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=266 to 267). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

91

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

4

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

5

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Rosedale Bank

Nottingham, MD · Cert 29613

SL · OCC · 15 branches

Q2 2026

$1.4BAssets
$964.8MLoans
$1.1BDeposits
$255.5MEquity
Loan mix
98%RE $928.4M2%C&I $21.8M0%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $1.0B8%Noninterest $0.1BQ2 2025Q2 2026

NIM

4.00%Q2 ’244.01%Q2 ’254.13%Q2 ’26+1%+12%

Non-interest income vs. expense

1.97%Q2 ’242.16%Q2 ’252.20%Q2 ’26+7%0%

Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 1.0% share · #13 of 40 inst. · $1.1B of $106.1B

3.3% Baltimore
3.7% Harford
0.2% Anne Arundel

Executive Summary

  • Earnings: ROA of 0.28%, up 24 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.52% of loans (-9 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 18.61%, down 106 bps from a year ago.
  • Funding: loans stand at 87.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.43%+26 bps YoY

Efficiency Ratio (YTD, annualized)

82.04%-1,059 bps YoY

Tier 1 Leverage Ratio

18.61%-106 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.05%0.11%0.18%0.11%0.28%+24 bps
Return on Equity0.23%0.58%0.95%0.58%1.50%+127 bps
Net Interest Margin2.17%2.25%2.24%2.40%2.43%+26 bps
Efficiency Ratio92.63%89.91%87.92%85.33%82.04%-1,059 bps
Non-Interest Burden2.01%2.02%1.97%2.08%2.01%0 bps
Growth
Asset Growth (YoY)-4.33%0.77%4.55%6.38%7.01%+1,134 bps
Loan Growth (YoY)1.69%3.50%7.07%3.71%3.63%+194 bps
Deposit Growth (YoY)1.05%3.71%4.82%7.34%8.02%+698 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.69%0.52%0.57%0.52%-9 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.04%0.01%+2 bps
Allowance / Loans0.89%0.90%0.84%0.88%0.84%-6 bps
Allowance Coverage of NPLs1.5x1.3x1.6x1.6x1.6x+0.1x
Capital
Tier 1 Leverage Ratio19.67%19.51%18.96%18.79%18.61%-106 bps
Total Risk-Based Capital19.67%19.51%18.96%18.79%18.61%-106 bps
Equity / Assets19.58%19.23%19.22%18.84%18.78%-79 bps
Liquidity & Funding
Loans / Deposits91.70%88.64%90.40%87.63%87.96%-373 bps
Liquid Assets / Assets7.15%9.43%7.78%10.46%10.06%+291 bps
CRE / Total Capitaln/a161.09%168.29%165.64%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Rosedale Bank

Nottingham, MD · Cert 29613 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267)

SL · OCC · 15 branches

Q2 2026

$1.4BAssets
$964.8MLoans
$1.1BDeposits
$255.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 97% of banks $1B-$10B in assets operating in a single state (rank 8 of 267).
  • Widest gap: return on equity trails 98% of banks $1B-$10B in assets operating in a single state (rank 261 of 267).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.28%

Rank 260 of 267

Net Interest Margin

2.43%

Rank 251 of 267

Efficiency Ratio

85.20%

Rank 255 of 266

Equity / Assets

18.78%

Rank 8 of 267

Non-interest income vs. expense

$2.5M$30.2MINCOMEEXPENSE
Unfavorable gap of $27.7M · efficiency ratio beats 5% of banks $1B-$10B in assets operating in a single state
Bank 85.20%Peer median 60.2%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.28%0.93%1.23%1.55%Beats 3%260 / 267
Return on Equity1.49%9.16%11.84%14.56%Beats 2%261 / 267
Net Interest Margin2.43%3.12%3.50%3.88%Beats 6%251 / 267
Efficiency Ratio85.20%51.36%60.21%69.66%Beats 5%255 / 266
Asset Quality
Nonperforming Loans / Loans0.52%0.19%0.46%0.89%Beats 43%154 / 267
Net Charge-Offs / Loans0.01%0.01%0.02%0.06%Beats 65%97 / 267
Capital
Tier 1 Capital Ratio18.61%11.29%13.05%15.13%Beats 90%27 / 267
Total Risk-Based Capital Ratio18.61%11.95%13.87%16.27%Beats 87%35 / 267
Equity / Assets18.78%9.18%10.29%11.76%Beats 97%8 / 267
Liquidity & Funding
Loans / Deposits87.96%72.68%86.16%95.22%57th pctl116 / 267
Loans / Assets70.94%62.46%71.96%78.38%46th pctl143 / 267
Brokered Deposits / Depositsn/aNot reported for this institution