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
Unfavorable gap of $27.7M · efficiency ratio beats 5% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 0.93% | 1.23% | 1.55% | Beats 3% | 260 / 267 | |
| Return on Equity | 1.49% | 9.16% | 11.84% | 14.56% | Beats 2% | 261 / 267 | |
| Net Interest Margin | 2.43% | 3.12% | 3.50% | 3.88% | Beats 6% | 251 / 267 | |
| Efficiency Ratio | 85.20% | 51.36% | 60.21% | 69.66% | Beats 5% | 255 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.19% | 0.46% | 0.89% | Beats 43% | 154 / 267 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 65% | 97 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 18.61% | 11.29% | 13.05% | 15.13% | Beats 90% | 27 / 267 | |
| Total Risk-Based Capital Ratio | 18.61% | 11.95% | 13.87% | 16.27% | Beats 87% | 35 / 267 | |
| Equity / Assets | 18.78% | 9.18% | 10.29% | 11.76% | Beats 97% | 8 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 87.96% | 72.68% | 86.16% | 95.22% | 57th pctl | 116 / 267 | |
| Loans / Assets | 70.94% | 62.46% | 71.96% | 78.38% | 46th pctl | 143 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |