PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.9MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $1.0B8%Noninterest $0.1BQ3 2024Q2 2026

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 0.46%, up 31 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.52% of loans (-9 bps YoY), with net recoveries of 0.02%.
  • 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.

Return on Assets (quarter, annualized)

0.46%+31 bps YoY

Net Interest Margin (quarter, annualized)

2.49%+22 bps YoY

Efficiency Ratio (quarter, annualized)

79.00%-938 bps YoY

Tier 1 Leverage Ratio

18.61%-106 bps YoY

NIM

4.02%Q2 ’244.05%Q2 ’254.20%Q2 ’26+11%+10%

Non-interest income vs. expense

2.01%Q2 ’242.17%Q2 ’252.20%Q2 ’26+5%-1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.21%-0.05%0.14%0.24%0.40%0.11%0.46%+31 bps
Return on Equity0.71%1.06%-0.28%0.74%1.26%2.06%0.58%2.42%+168 bps
Net Interest Margin1.99%1.96%2.07%2.27%2.39%2.45%2.40%2.49%+22 bps
Efficiency Ratio92.53%92.10%97.36%88.39%85.00%82.77%85.33%79.00%-938 bps
Non-Interest Burden1.85%1.80%2.03%2.00%2.02%2.05%2.08%1.98%-3 bps
Growth
Asset Growth (YoY)5.50%-1.83%-4.52%-4.33%0.77%4.55%6.38%7.01%+1,134 bps
Loan Growth (YoY)-3.37%-3.34%0.48%1.69%3.50%7.07%3.71%3.63%+194 bps
Deposit Growth (YoY)6.85%5.90%1.91%1.05%3.71%4.82%7.34%8.02%+698 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.66%0.65%0.61%0.69%0.52%0.57%0.52%-9 bps
Net Charge-Offs / Loans0.07%-0.05%-0.02%-0.01%0.01%0.00%0.04%-0.02%-1 bps
Allowance / Loans0.89%0.87%0.89%0.89%0.90%0.84%0.88%0.84%-6 bps
Allowance Coverage of NPLs2.3x1.3x1.4x1.5x1.3x1.6x1.6x1.6x+0.1x
Capital
Tier 1 Leverage Ratio18.66%19.51%19.64%19.67%19.51%18.96%18.79%18.61%-106 bps
Total Risk-Based Capital18.66%19.51%19.64%19.67%19.51%18.96%18.79%18.61%-106 bps
Equity / Assets19.22%19.50%19.58%19.58%19.23%19.22%18.84%18.78%-79 bps
Liquidity & Funding
Loans / Deposits88.82%88.50%90.71%91.70%88.64%90.40%87.63%87.96%-373 bps
Liquid Assets / Assets11.14%8.97%7.55%7.15%9.43%7.78%10.46%10.06%+291 bps
CRE / Total Capitaln/an/an/an/a161.09%168.29%165.64%n/an/a