Queenstown Bank of Maryland: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Risk-weighted assets edged up 1.3% between Q1 2026 and Q2 2026, to $466.4M. Within Maryland, Queenstown Bank of Maryland is 6th of 20 on CET1 ratio, 18.42% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Queenstown Bank of Maryland sits 3.35 points higher, at 18.42% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.42% |
| Tier 1 risk-based capital ratio | 18.42% |
| Total risk-based capital ratio | 19.67% |
| Tier 1 leverage ratio | 11.60% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $85.9M |
| Tier 1 capital | $85.9M |
| Total risk-based capital | $91.7M |
| Total equity capital | $75.6M |
| Risk-weighted assets | $466.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.36% |
| Tangible equity to tangible assets | 10.36% |
| Equity capital to average assets | 10.20% |
| Internal capital growth rate | 2.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.6M |
| Common stock surplus | $3.6M |
| Retained earnings | $78.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.98% | 16.98% | 18.23% | 11.48% | $468.6M |
| Q4 2023 | 16.60% | 16.60% | 17.85% | 11.37% | $476.0M |
| Q1 2024 | 16.89% | 16.89% | 18.14% | 11.20% | $475.0M |
| Q2 2024 | 17.11% | 17.11% | 18.37% | 11.51% | $472.2M |
| Q3 2024 | 17.62% | 17.62% | 18.87% | 11.71% | $467.1M |
| Q4 2024 | 17.78% | 17.78% | 19.03% | 11.56% | $458.7M |
| Q1 2025 | 17.89% | 17.89% | 19.14% | 12.05% | $464.0M |
| Q2 2025 | 17.84% | 17.84% | 19.09% | 11.89% | $467.7M |
| Q3 2025 | 18.46% | 18.46% | 19.71% | 11.72% | $460.1M |
| Q4 2025 | 18.20% | 18.20% | 19.45% | 11.52% | $461.4M |
| Q1 2026 | 18.57% | 18.57% | 19.82% | 11.71% | $460.2M |
| Q2 2026 | 18.42% | 18.42% | 19.67% | 11.60% | $466.4M |
Queenstown Bank of Maryland regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Queenstown Bank of Maryland, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Queenstown Bank of Maryland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8816) · FFIEC NIC profile (RSSD 429021)