Queenstown Bank of Maryland: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 14.82 percentage points higher than in Q1 2026, at 1272.48%. Queenstown Bank of Maryland ranks 16th of 27 Maryland banks on return on assets, in the lower half at 0.89% (Q2 2026). Queenstown Bank of Maryland reported 0.89% on return on assets for Q2 2026, 0.36 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.42% |
| Tier 1 risk-based capital ratio | 18.42% |
| Total risk-based capital ratio | 19.67% |
| Tier 1 leverage ratio | 11.60% |
| Equity capital to assets | 10.36% |
| Tangible equity to tangible assets | 10.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.35% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 1272.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 8.75% |
| Net interest margin | 3.17% |
| Efficiency ratio | 63.22% |
| Yield on earning assets | 4.56% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.44% |
| Core deposits to total deposits | 91.73% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.94% |
| Securities to assets | 16.67% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.98% | 16.98% | 18.23% | 11.48% | 0.86% |
| Q4 2023 | 16.60% | 16.60% | 17.85% | 11.37% | 0.89% |
| Q1 2024 | 16.89% | 16.89% | 18.14% | 11.20% | 0.69% |
| Q2 2024 | 17.11% | 17.11% | 18.37% | 11.51% | 0.84% |
| Q3 2024 | 17.62% | 17.62% | 18.87% | 11.71% | 0.84% |
| Q4 2024 | 17.78% | 17.78% | 19.03% | 11.56% | 0.76% |
| Q1 2025 | 17.89% | 17.89% | 19.14% | 12.05% | 0.86% |
| Q2 2025 | 17.84% | 17.84% | 19.09% | 11.89% | 0.75% |
| Q3 2025 | 18.46% | 18.46% | 19.71% | 11.72% | 0.82% |
| Q4 2025 | 18.20% | 18.20% | 19.45% | 11.52% | 0.77% |
| Q1 2026 | 18.57% | 18.57% | 19.82% | 11.71% | 0.80% |
| Q2 2026 | 18.42% | 18.42% | 19.67% | 11.60% | 0.89% |
Queenstown Bank of Maryland vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Queenstown Bank of Maryland, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)