Rosedale Bank: 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.
Loans held for sale climbed 108.8% in Q2 2026, from $2.8M to $5.8M. It was the largest change from Q1 2026 among the key lines here. Within Maryland, Rosedale Bank is 14th of 27 on loan-to-deposit ratio, 87.96% as of Q2 2026, below the middle of the field. At 87.96%, Rosedale Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $964.8M |
| Net loans and leases | $956.8M |
| Loans held for sale | $5.8M |
| Loans to total assets | 70.94% |
| Loan-to-deposit ratio | 87.96% |
| Net loans to equity capital | 3.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.58% |
| Multifamily (5+ residential) | 2.09% |
| Commercial and industrial | 2.15% |
| Consumer | 0.08% |
| Credit cards | 0.08% |
| Farm | 0.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 137.60% |
| Construction concentration (Tier 1 capital + allowance) | 29.94% |
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 | 4.94% |
| Interest income on loans | $11.8M |
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 | $928.4M | $945.3M | 33.77% | 0.83% | 0.02% |
| Q4 2023 | $924.5M | $953.5M | 33.24% | 0.87% | 0.02% |
| Q1 2024 | $912.8M | $992.2M | 33.59% | 0.89% | 0.01% |
| Q2 2024 | $915.6M | $1.00B | 33.95% | 0.95% | 0.01% |
| Q3 2024 | $897.1M | $1.01B | 33.26% | 1.01% | 0.01% |
| Q4 2024 | $893.6M | $1.01B | 33.79% | 1.15% | 0.01% |
| Q1 2025 | $917.2M | $1.01B | 33.62% | 1.34% | 0.01% |
| Q2 2025 | $931.1M | $1.02B | 33.95% | 1.30% | 0.04% |
| Q3 2025 | $928.5M | $1.05B | 33.79% | 1.39% | 0.07% |
| Q4 2025 | $956.8M | $1.06B | 33.10% | 1.79% | 0.08% |
| Q1 2026 | $951.1M | $1.09B | 33.53% | 2.29% | 0.10% |
| Q2 2026 | $964.8M | $1.10B | 32.58% | 2.15% | 0.08% |
Rosedale Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Rosedale Bank, 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 Rosedale Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29613) · FFIEC NIC profile (RSSD 86675)