Rosedale Bank
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Data as of · sourced from FFIEC call reports. How we update
Rosedale Bank is an FDIC-insured savings and loan association headquartered in Nottingham, MD, established in 1908 (FDIC certificate 29613), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.36B, up 7.0% from Q2 2025, the 7th largest of 27 banks headquartered in Maryland. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.61% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29613
- Headquarters
- Nottingham, MD
- Established
- 1908
- Total assets, Q2 2026
- $1.36B
- Assets vs Q2 2025
- +7.0%
- Tier 1 leverage ratio, Q2 2026
- 18.61%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 252071557
- Asset rank in state
- 7th of 27 in Maryland
Rosedale Bank spends more to run itself than most banks of its size. Based in Nottingham, Maryland, it had $1.4 billion in assets at June 30, 2026, up 7.0% from a year earlier. It earns about $0.45 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 79 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Deposits are coming in faster than loans: over the year loans rose 3.6% and deposits rose 8.0%. Its margin is thin by comparison: it keeps 2.60 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
As of June 30, 2026, Rosedale Bank reported a return on assets of 0.45%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 2.06%. The figures come from its call report filed with the FFIEC.
Of the 27 banks headquartered in Maryland, Rosedale Bank is the 7th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.0% to $1.36B, loans rose 1.4% and deposits rose 1.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 54.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 27.0%. Its 15 offices in the FDIC Summary of Deposits are in 11 cities in MD; its Nottingham 3 offices book 30% of its branch deposits. On its Q2 2026 call report, Rosedale Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 9616 Belair Rd, Nottingham, MD 21236
- County
- Baltimore
- Metro Area
- Baltimore-Columbia-Towson, MD
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 148
- Domestic deposits
- $1.10B
- Allowance for credit losses
- $8.1M
- Net charge-offs (YTD)
- $50K
- Average total assets
- $1.37B
- Average total loans
- $950.6M
- Average interest-bearing deposits
- $1.01B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29613
- Fed RSSD
- 86675
- Website
- www.rosedale.bank →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Rosedale Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Rosedale Bank's total assets moved between a low of $1.23B (Q3 2023) and a high of $1.36B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.36B total assets against $1.27B; $1.10B total liabilities against $1.02B.
$956.8M net loans and leases against $922.8M; $1.10B total deposits against $1.02B.
$181.8M securities against $176.9M; $139.8M cash and balances due against $94.2M.
$14.4M total interest income against $13.1M; $6.0M total interest expense against $5.8M.
$8.5M net interest income against $7.2M.
$768K total noninterest income against $547K; $7.6M total noninterest expense against $7.0M.
-$373K provision for credit losses against $139K.
$1.5M net income against $459K.
0.45% return on assets against 0.14%; 2.60% net interest margin against 2.39%.
18.61% tier 1 leverage ratio against 19.67%.
Inside the full Rosedale Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRosedale Bank rankings
Its closest position to the top of a national ranking is 805 of 4,196, for total assets; its furthest is 963 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.05% (Q1 2025) to 0.45% (Q2 2026) and its net interest margin ran from 2.05% (Q4 2024) to 2.60% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.61% | 0.45% | 0.52% | 2.06% | 2.60% |
| Q1 2026 | 18.79% | 0.11% | 0.57% | 2.21% | 2.51% |
| Q4 2025 | 18.96% | 0.39% | 0.52% | 2.05% | 2.57% |
| Q3 2025 | 19.51% | 0.24% | 0.69% | 2.64% | 2.50% |
| Q2 2025 | 19.67% | 0.14% | 0.61% | 2.36% | 2.39% |
| Q1 2025 | 19.64% | -0.05% | 0.65% | 2.49% | 2.16% |
| Q4 2024 | 19.51% | 0.20% | 0.66% | 2.49% | 2.05% |
| Q3 2024 | 18.66% | 0.13% | 0.39% | 1.46% | 2.08% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Perry Hall Branch | Nottingham , MD | 21236 | $224.0M |
| Rosedale Branch | Rosedale , MD | 21237 | $138.8M |
| White Marsh Branch | Nottingham , MD | 21236 | $101.8M |
| Overlea Branch | Baltimore , MD | 21206 | $81.1M |
| Towson Branch | Baltimore , MD | 21212 | $76.6M |
| Rosedal Federal- Timonium Branch | Timonium , MD | 21093 | $74.1M |
| Parkville Branch | Parkville , MD | 21234 | $73.4M |
| Arbutus Branch | Arbutus , MD | 21227 | $70.7M |
| Abingdon Branch | Abingdon , MD | 21009 | $69.0M |
| Bel Air Branch | Bel Air , MD | 21014 | $61.6M |
| Forest Hill Branch | Forest Hill , MD | 21050 | $56.8M |
| Dundalk Branch | Dundalk , MD | 21222 | $41.2M |
| Pasadena Branch | Pasadena , MD | 21122 | $25.8M |
| Www.Rosedalefederal.Com Branch | Baltimore , MD | 21236 | $1.9M |
| Rosedale Bank (main office) | Nottingham , MD | 21236 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 8, 2022 | Structure Change | Acquired Chesapeake Bank of Maryland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 7, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 2017 | Structure Change | Acquired Midstate Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in MD, rank 21 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 215 applications, 172 loans originated, $91.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $600K approved, $600K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Rosedale Bank
What are Rosedale Bank's total assets?
As of the Q2 2026 filing, Rosedale Bank reported total assets of $1.36 billion in its FFIEC call report.
Where is Rosedale Bank headquartered?
It is headquartered in Nottingham, MD, United States.
When was Rosedale Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Rosedale Bank FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #29613). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rosedale Bank?
Rosedale Bank's primary federal regulator is the OCC.
How many branches does Rosedale Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Rosedale Bank's Texas Ratio?
Its Texas Ratio is 2.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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