Queenstown Bank of Maryland: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.21 percentage points in Q2 2026 to 3.17%, the biggest move on this page. Within Maryland, Queenstown Bank of Maryland is 21st of 27 on net interest margin, 3.17% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Queenstown Bank of Maryland sits 0.78 points lower, at 3.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.56% |
| Yield on loans | 5.51% |
| Yield on securities | 1.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.17% |
| Yield to cost spread | 2.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.5M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.23% | 1.42% | 2.94% | 5.10% | 1.89% |
| Q4 2023 | 4.46% | 1.56% | 3.05% | 5.32% | 1.94% |
| Q1 2024 | 4.39% | 1.76% | 2.77% | 5.17% | 1.93% |
| Q2 2024 | 4.51% | 1.75% | 2.91% | 5.39% | 1.81% |
| Q3 2024 | 4.54% | 1.79% | 2.92% | 5.38% | 1.91% |
| Q4 2024 | 4.43% | 1.78% | 2.84% | 5.32% | 1.89% |
| Q1 2025 | 4.43% | 1.64% | 2.93% | 5.34% | 1.86% |
| Q2 2025 | 4.53% | 1.71% | 2.99% | 5.43% | 1.86% |
| Q3 2025 | 4.56% | 1.77% | 2.95% | 5.53% | 1.59% |
| Q4 2025 | 4.55% | 1.73% | 2.98% | 5.53% | 1.88% |
| Q1 2026 | 4.42% | 1.60% | 2.96% | 5.42% | 1.99% |
| Q2 2026 | 4.56% | 1.52% | 3.17% | 5.51% | 1.95% |
Queenstown Bank of Maryland yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Queenstown Bank of Maryland, freeSource: Call Report Schedules RI and RC-K, 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)