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 | |