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Queenstown Bank of Maryland

Queenstown, MD · Cert 8816 · Queenstown Bcorp of MD Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$729.5MAssets
$476.5MLoans
$648.8MDeposits
$75.6MEquity
Loan mix
96%RE $442.3M3%C&I $14.3M1%Consumer $4.7MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $463.9M29%Noninterest $184.9MQ2 2025Q2 2026

NIM

4.35%Q2 ’244.36%Q2 ’254.40%Q2 ’26+3%+6%

Non-interest income vs. expense

1.96%Q2 ’242.11%Q2 ’252.11%Q2 ’26+7%+1%

Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.5% share · #19 of 40 inst. · $0.5B of $106.1B

31.4% Queen Anne's
2.6% Talbot
7.6% Dorchester
4.2% Caroline

Executive Summary

  • Earnings: ROA of 0.90%, up 15 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.12% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.60%, down 29 bps from a year ago.
  • Funding: loans stand at 73.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.90%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.06%+18 bps YoY

Efficiency Ratio (quarter, annualized)

63.27%-318 bps YoY

Tier 1 Leverage Ratio

11.60%-29 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.84%0.78%0.81%0.90%+15 bps
Return on Equity7.52%8.25%7.61%7.86%8.75%+123 bps
Net Interest Margin2.88%2.85%2.88%2.85%3.06%+18 bps
Efficiency Ratio66.45%65.07%68.14%66.57%63.27%-318 bps
Non-Interest Burden1.81%1.76%1.87%1.80%1.83%+2 bps
Growth
Asset Growth (YoY)2.29%4.28%3.82%5.36%4.43%+214 bps
Loan Growth (YoY)-0.22%0.02%2.71%2.40%4.08%+430 bps
Deposit Growth (YoY)5.72%8.46%7.52%5.06%4.15%-158 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.24%0.16%0.00%0.12%+1 bps
Net Charge-Offs / Loans-0.01%-0.05%0.03%0.02%0.00%0 bps
Allowance / Loans1.43%1.45%1.44%1.42%1.38%-6 bps
Allowance Coverage of NPLs12.7x6.1x8.8xn/a11.1x-1.6x
Capital
Tier 1 Leverage Ratio11.89%11.72%11.52%11.71%11.60%-29 bps
Total Risk-Based Capital19.09%19.71%19.45%19.82%19.67%+58 bps
Equity / Assets10.12%10.18%10.30%10.28%10.36%+23 bps
Liquidity & Funding
Loans / Deposits73.48%70.53%71.90%71.17%73.44%-5 bps
Liquid Assets / Assets12.15%15.70%15.04%16.17%14.40%+225 bps
CRE / Total Capitaln/a218%216%217%n/an/a