Queenstown, MD · Cert 8816 · Queenstown Bcorp of MD Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
62
Profitability
34
Liquidity
77
Efficiency
59
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.
Queenstown, MD · Cert 8816 · Queenstown Bcorp of MD Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.5% share · #19 of 40 inst. · $0.5B of $106.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.80% | 0.86% | 0.81% | 0.81% | 0.81% | 0.81% | 0.86% | +5 bps | |
| Return on Equity | 8.66% | 8.53% | 8.73% | 8.14% | 8.17% | 8.05% | 7.86% | 8.32% | +18 bps | |
| Net Interest Margin | 2.78% | 2.77% | 2.82% | 2.82% | 2.77% | 2.79% | 2.85% | 2.93% | +11 bps | |
| Efficiency Ratio | 64.83% | 65.49% | 63.28% | 64.89% | 64.95% | 65.77% | 66.57% | 64.86% | -4 bps | |
| Non-Interest Burden | 1.72% | 1.72% | 1.68% | 1.73% | 1.70% | 1.74% | 1.80% | 1.80% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.16% | 1.34% | -3.01% | 2.29% | 4.28% | 3.82% | 5.36% | 4.43% | +214 bps | |
| Loan Growth (YoY) | 1.78% | -2.69% | -1.92% | -0.22% | 0.02% | 2.71% | 2.40% | 4.08% | +430 bps | |
| Deposit Growth (YoY) | 0.66% | -0.06% | 2.94% | 5.72% | 8.46% | 7.52% | 5.06% | 4.15% | -158 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.15% | 0.21% | 0.11% | 0.24% | 0.16% | 0.00% | 0.12% | +1 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.04% | -0.01% | -0.01% | -0.02% | -0.01% | 0.02% | 0.01% | +2 bps | |
| Allowance / Loans | 1.52% | 1.47% | 1.45% | 1.43% | 1.45% | 1.44% | 1.42% | 1.38% | -6 bps | |
| Allowance Coverage of NPLs | 7.1x | 9.6x | 6.8x | 12.7x | 6.1x | 8.8x | n/a | 11.1x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.71% | 11.56% | 12.05% | 11.89% | 11.72% | 11.52% | 11.71% | 11.60% | -29 bps | |
| Total Risk-Based Capital | 18.87% | 19.03% | 19.14% | 19.09% | 19.71% | 19.45% | 19.82% | 19.67% | +58 bps | |
| Equity / Assets | 9.91% | 9.58% | 10.00% | 10.12% | 10.18% | 10.30% | 10.28% | 10.36% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.48% | 75.27% | 73.01% | 73.48% | 70.53% | 71.90% | 71.17% | 73.44% | -5 bps | |
| Liquid Assets / Assets | 10.60% | 12.29% | 11.88% | 12.15% | 15.70% | 15.04% | 16.17% | 14.40% | +225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 218% | 216% | 217% | n/a | n/a | |
Queenstown, MD · Cert 8816 · Peer group: banks under $1B in assets (n=581-629) · Queenstown Bcorp of MD Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
0.85%
Rank 393 of 629
Net Interest Margin
2.93%
Rank 492 of 629
Efficiency Ratio
64.86%
Rank 260 of 629
Equity / Assets
10.36%
Rank 346 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.60% | 1.01% | 1.45% | Beats 38% | 393 / 629 | ||
| Return on Equity | 8.23% | 5.38% | 9.30% | 13.28% | Beats 42% | 366 / 629 | ||
| Net Interest Margin | 2.93% | 3.03% | 3.54% | 4.05% | Beats 22% | 492 / 629 | ||
| Efficiency Ratio | 64.86% | 58.35% | 67.79% | 79.08% | Beats 59% | 260 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.46% | 1.20% | Beats 72% | 164 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 52% | 282 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.42% | 11.24% | 13.84% | 18.77% | Beats 74% | 166 / 629 | ||
| Total Risk-Based Capital Ratio | 19.67% | 11.58% | 14.43% | 19.66% | Beats 75% | 157 / 629 | ||
| Equity / Assets | 10.36% | 9.09% | 10.65% | 13.80% | Beats 45% | 346 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.44% | 67.24% | 80.90% | 93.48% | 36th pctl | 383 / 594 | ||
| Loans / Assets | 65.31% | 53.31% | 67.71% | 78.15% | 45th pctl | 348 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||