Queenstown Bank of Maryland: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.27 percentage points in Q2 2026, from 71.17% to 73.44%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Queenstown Bank of Maryland is 2nd from the bottom among 27 Maryland banks, 73.44% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Queenstown Bank of Maryland sits 7.40 points lower, at 73.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $476.5M |
| Net loans and leases | $469.9M |
| Loans held for sale | $0 |
| Loans to total assets | 65.31% |
| Loan-to-deposit ratio | 73.44% |
| Net loans to equity capital | 6.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.41% |
| Multifamily (5+ residential) | 3.56% |
| Commercial and industrial | 3.62% |
| Consumer | 0.99% |
| Credit cards | 0.00% |
| Farm | 5.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 125.94% |
| Construction concentration (Tier 1 capital + allowance) | 30.17% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.51% |
| Interest income on loans | $6.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $447.4M | $591.5M | 32.13% | 2.87% | 1.34% |
| Q4 2023 | $457.4M | $591.7M | 33.93% | 2.97% | 1.28% |
| Q1 2024 | $460.6M | $601.0M | 34.33% | 2.73% | 1.24% |
| Q2 2024 | $458.8M | $589.2M | 34.02% | 2.80% | 1.22% |
| Q3 2024 | $455.4M | $595.4M | 33.35% | 3.03% | 1.23% |
| Q4 2024 | $445.1M | $591.3M | 31.93% | 2.42% | 1.24% |
| Q1 2025 | $451.7M | $618.7M | 31.63% | 2.81% | 1.12% |
| Q2 2025 | $457.8M | $623.0M | 31.94% | 2.56% | 1.12% |
| Q3 2025 | $455.5M | $645.7M | 31.47% | 2.62% | 1.08% |
| Q4 2025 | $457.1M | $635.8M | 30.67% | 2.96% | 0.97% |
| Q1 2026 | $462.6M | $650.0M | 30.57% | 3.08% | 1.02% |
| Q2 2026 | $476.5M | $648.8M | 29.41% | 3.62% | 0.99% |
Queenstown Bank of Maryland loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Queenstown Bank of Maryland, freeSource: Call Report Schedule RC-C, 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)