Queenstown Bank of Maryland: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 2.46 percentage points in Q2 2026, from 77.60% to 80.06%. It was the largest change from Q1 2026 among the key lines here. Queenstown Bank of Maryland has the 2nd lowest loan-to-deposit ratio of the 27 banks headquartered in Maryland, at 73.44% as of Q2 2026. Queenstown Bank of Maryland reported 73.44% on loan-to-deposit ratio for Q2 2026, 7.40 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $102.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $223.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.44% |
| Net loans and leases to deposits | 72.42% |
| Loans and leases to core deposits | 80.06% |
| Core deposits to total deposits | 91.73% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 75.64% | 93.11% | $0 | $20.0M |
| Q4 2023 | 77.31% | 92.42% | $0 | $20.0M |
| Q1 2024 | 76.63% | 92.57% | $0 | $45.0M |
| Q2 2024 | 77.86% | 92.26% | $0 | $25.0M |
| Q3 2024 | 76.48% | 92.39% | $0 | $25.0M |
| Q4 2024 | 75.27% | 92.74% | $0 | $25.0M |
| Q1 2025 | 73.01% | 92.84% | $0 | $0 |
| Q2 2025 | 73.48% | 91.70% | $0 | $0 |
| Q3 2025 | 70.53% | 91.31% | $0 | $0 |
| Q4 2025 | 71.90% | 91.09% | $0 | $0 |
| Q1 2026 | 71.17% | 91.71% | $0 | $0 |
| Q2 2026 | 73.44% | 91.73% | $0 | $0 |
Queenstown Bank of Maryland liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Queenstown Bank of Maryland, freeSource: Call Report Schedules RC and RC-M, 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)