Rosedale Bank: 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: 1.67 percentage points lower than in Q1 2026, at 126.53%. Rosedale Bank ranks 20th of 27 Maryland banks on return on assets, in the lower half at 0.45% (Q2 2026). Rosedale Bank's return on assets of 0.45% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.83 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.61% |
| Equity capital to assets | 18.78% |
| Tangible equity to tangible assets | 17.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.66% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 2.60% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 126.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.45% |
| Return on equity | 2.42% |
| Net interest margin | 2.60% |
| Efficiency ratio | 78.78% |
| Yield on earning assets | 4.44% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.96% |
| Core deposits to total deposits | 90.38% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.64% |
| Securities to assets | 13.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 19.74% | 0.40% | 2.61% | 1.55% | -0.00% |
| Q4 2023 | 19.68% | -0.11% | 2.52% | 0.22% | -0.00% |
| Q1 2024 | 18.89% | 0.30% | 2.39% | 0.54% | -0.03% |
| Q2 2024 | 18.54% | 0.10% | 2.14% | 0.53% | -0.01% |
| Q3 2024 | 18.66% | 0.13% | 2.08% | 0.44% | 0.07% |
| Q4 2024 | 19.51% | 0.20% | 2.05% | 0.69% | -0.05% |
| Q1 2025 | 19.64% | -0.05% | 2.16% | 0.70% | -0.02% |
| Q2 2025 | 19.67% | 0.14% | 2.39% | 0.70% | -0.01% |
| Q3 2025 | 19.51% | 0.24% | 2.50% | 0.81% | 0.01% |
| Q4 2025 | 18.96% | 0.39% | 2.57% | 0.65% | 0.00% |
| Q1 2026 | 18.79% | 0.11% | 2.51% | 0.69% | 0.04% |
| Q2 2026 | 18.61% | 0.45% | 2.60% | 0.66% | -0.02% |
Rosedale Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rosedale Bank, 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 Rosedale Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29613) · FFIEC NIC profile (RSSD 86675)