Rosedale Bank

Nottingham, MD · Cert 29613

SL · OCC · 15 branches

Q2 2026

$1.4BAssets

$964.8MLoans

$1.1BDeposits

$255.5MEquity

Loan mix

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.05%	0.11%	0.18%	0.11%	0.28%	+24 bps
Return on Equity	0.23%	0.58%	0.95%	0.58%	1.50%	+127 bps
Net Interest Margin	2.17%	2.25%	2.24%	2.40%	2.43%	+26 bps
Efficiency Ratio	92.63%	89.91%	87.92%	85.33%	82.04%	-1,059 bps
Non-Interest Burden	2.01%	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 / Loans	0.61%	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 / Loans	0.89%	0.90%	0.84%	0.88%	0.84%	-6 bps
Allowance Coverage of NPLs	1.5x	1.3x	1.6x	1.6x	1.6x	+0.1x
Capital
Tier 1 Leverage Ratio	19.67%	19.51%	18.96%	18.79%	18.61%	-106 bps
Total Risk-Based Capital	19.67%	19.51%	18.96%	18.79%	18.61%	-106 bps
Equity / Assets	19.58%	19.23%	19.22%	18.84%	18.78%	-79 bps
Liquidity & Funding
Loans / Deposits	91.70%	88.64%	90.40%	87.63%	87.96%	-373 bps
Liquid Assets / Assets	7.15%	9.43%	7.78%	10.46%	10.06%	+291 bps
CRE / Total Capital	n/a	161.09%	168.29%	165.64%	n/a	n/a