Queenstown Bank of Maryland
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Data as of · sourced from FFIEC call reports. How we update
Queenstown Bank of Maryland is an FDIC-insured commercial bank headquartered in Queenstown, MD, supervised by the FDIC, with $729.5M in total assets at Q2 2026, up 4.4% from Q2 2025, the 15th largest of 27 banks headquartered in Maryland. It was established in 1899 and holds FDIC certificate 8816. Its CET1 capital ratio was 18.42% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8816
- Headquarters
- Queenstown, MD
- Established
- 1899
- Total assets, Q2 2026
- $729.5M
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 18.42%
- Domestic offices
- 9 · Queenstown Bank of Maryland branches FDIC institution directory, current count
- Routing number
- 052101957
- Safety and soundness
- Is Queenstown Bank of Maryland safe?
- Latest call report
- Q2 2026, FFIEC 051 · Queenstown Bank of Maryland call report
- Holding company
- QUEENSTOWN BANCORP OF MARYLAND, INC.
- Asset rank in state
- 15th of 27 in Maryland
Queenstown Bank of Maryland, based in Queenstown, Maryland, reported $730 million in assets at June 30, 2026, up 4.4% from a year earlier. It keeps 3.17 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents).
Net income for the quarter rose 25% from a year earlier, to $1.6 million. Unrealized losses on its securities total $14 million, equal to 17% of Tier 1 capital, against 21% a year earlier.
As of June 30, 2026, Queenstown Bank of Maryland reported a CET1 capital ratio of 18.42%, a return on assets of 0.89%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.72%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Queenstown Bank of Maryland is the 15th largest of the 27 banks headquartered in Maryland. Between Q1 2026 and Q2 2026, its total assets fell 0.1% to $729.5M, loans rose 3.0% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 50.5% of total loans, followed by non-owner-occupied commercial real estate loans at 15.0%. The FDIC Summary of Deposits lists 9 offices for it, in 9 cities in MD; its Queenstown office books 20% of its branch deposits. On its Q2 2026 call report, Queenstown Bank of Maryland meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7101 Main St, Queenstown, MD 21658
- County
- Queen Anne'S
- Metro Area
- Baltimore-Columbia-Towson, MD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1899
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 97
- Domestic deposits
- $648.8M
- Allowance for credit losses
- $6.6M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $740.4M
- Average total loans
- $475.3M
- Average interest-bearing deposits
- $468.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8816
- Fed RSSD
- 429021
- Website
- wwww.queenstownbank.com →
- Parent Holding Company
- QUEENSTOWN BANCORP OF MARYLAND, INC. (RSSD 2618614)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Queenstown Bank of Maryland's total assets moved between a low of $673.6M (Q3 2023) and a high of $730.4M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$729.5M total assets against $698.6M; $654.0M total liabilities against $627.9M.
$469.9M net loans and leases against $451.2M; $648.8M total deposits against $623.0M.
$121.6M securities against $124.3M; $102.1M cash and balances due against $88.7M.
$8.1M total interest income against $7.7M; $2.5M total interest expense against $2.6M.
$5.7M net interest income against $5.0M.
$518K total noninterest income against $523K; $3.9M total noninterest expense against $3.7M.
$0 provision for credit losses against $0.
$1.6M net income against $1.3M.
0.89% return on assets against 0.75%; 3.17% net interest margin against 2.99%.
18.42% CET1 capital ratio against 17.84%; 11.60% tier 1 leverage ratio against 11.89%.
Inside the full Queenstown Bank of Maryland terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQueenstown Bank of Maryland rankings
Its closest position to the top of a national ranking is 436 of 2,134, for CET1 ratio; its furthest is 2,848 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.75% (Q2 2025) to 0.89% (Q2 2026) and its net interest margin ran from 2.84% (Q4 2024) to 3.17% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.42% | 0.89% | 0.12% | 0.72% | 3.17% |
| Q1 2026 | 18.57% | 0.80% | 0.00% | 0.00% | 2.96% |
| Q4 2025 | 18.20% | 0.77% | 0.16% | 0.93% | 2.98% |
| Q3 2025 | 18.46% | 0.82% | 0.24% | 1.36% | 2.95% |
| Q2 2025 | 17.84% | 0.75% | 0.11% | 0.67% | 2.99% |
| Q1 2025 | 17.89% | 0.86% | 0.21% | 1.27% | 2.93% |
| Q4 2024 | 17.78% | 0.76% | 0.15% | 0.94% | 2.84% |
| Q3 2024 | 17.62% | 0.84% | 0.21% | 1.28% | 2.92% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Queenstown Bank of Maryland | Queenstown , MD | 21658 | $130.6M |
| Centreville Branch | Centreville , MD | 21617 | $100.7M |
| Stevensville Branch | Stevensville , MD | 21666 | $79.1M |
| Chester Branch | Chester , MD | 21619 | $78.1M |
| Grasonville Branch | Grasonville , MD | 21638 | $75.8M |
| Church Hill Branch | Church Hill , MD | 21623 | $54.5M |
| Easton Branch | Easton , MD | 21601 | $53.3M |
| Cambridge Branch | Cambridge , MD | 21613 | $52.1M |
| Ridgely Branch | Ridgely , MD | 21660 | $24.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MD, rank 31 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 99 applications, 80 loans originated, $33.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Queenstown Bank of Maryland
What are Queenstown Bank of Maryland's total assets?
As of the Q2 2026 filing, Queenstown Bank of Maryland reported total assets of $729.5 million in its FFIEC call report.
Where is Queenstown Bank of Maryland headquartered?
It is headquartered in Queenstown, MD, United States.
When was Queenstown Bank of Maryland founded?
It was established in 1899, per the FDIC institution directory.
Is Queenstown Bank of Maryland FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Queenstown Bank of Maryland?
Queenstown Bank of Maryland's primary federal regulator is the FDIC.
What is Queenstown Bank of Maryland's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Queenstown Bank of Maryland operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Queenstown Bank of Maryland's Texas Ratio?
Its Texas Ratio is 0.72% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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