Queenstown Bank of Maryland
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
$729.5MAssets
$476.5MLoans
$648.8MDeposits
$75.6MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 75% of banks under $1B in assets (rank 157 of 629).
- Widest gap: net interest margin trails 78% of banks under $1B in assets (rank 492 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $13.3M · efficiency ratio beats 59% of banks under $1B in assets | 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 |