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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 0.28%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.19%-0.05%0.05%0.11%0.18%0.11%0.28%+24 bps
Return on Equity0.97%0.99%-0.28%0.23%0.58%0.95%0.58%1.50%+127 bps
Net Interest Margin2.09%2.12%2.07%2.17%2.25%2.24%2.40%2.43%+26 bps
Efficiency Ratio89.04%89.77%97.36%92.63%89.91%87.92%85.33%82.04%-1,059 bps
Non-Interest Burden1.87%1.91%2.03%2.01%2.02%1.97%2.08%2.01%0 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 / Loans0.01%0.00%-0.02%-0.01%-0.01%0.00%0.04%0.01%+2 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