BlastPoint's Banking Scorecard
Rosedale Bank
Community
Specialty: Commercial
MD
FDIC cert 29613
Nottingham, MD
1484
banks in Community tier nationally
13 in MD
View Community leaderboard (MD) →
Rosedale Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 44% in Community
- - Capital Thin: Bottom 46% in Community
- - Return on Assets 0.98% below tier
- - Net Interest Margin 1.21% below tier
- - Non-Interest-Bearing Deposit Share 14.96% below tier
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+4.6% YoY
+1.0% QoQ
|
-$71.3M |
$1.4B
+2.0% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$948.8M
+7.1% YoY
+3.1% QoQ
|
-$26.7M |
$975.5M
+2.4% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$1.1B
+4.8% YoY
+1.0% QoQ
|
-$106.2M |
$1.2B
+1.7% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
0.18%
-1.3% YoY
+64.4% QoQ
|
-0.98% |
1.16%
+17.2% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.45%
+9.7% YoY
+2.6% QoQ
|
-1.21% |
3.66%
+9.1% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
87.92%
-2.1% YoY
-2.2% QoQ
|
+25.29% |
62.63%
-5.3% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.52%
-20.9% YoY
-24.2% QoQ
|
-0.10% |
0.63%
+18.3% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
89.64%
+2.2% YoY
+2.0% QoQ
|
+6.58% |
83.06%
+0.3% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
6.08%
+7.3% YoY
-0.0% QoQ
|
-14.96% |
21.05%
-0.9% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.38%
-19.8% YoY
-22.6% QoQ
|
-0.12% |
0.50%
+20.3% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.17%
+38.4% YoY
+49.8% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Efficiency Drag
risk
#68 of 152 · Bottom 44% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
87.92%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#198 of 432 · Bottom 46% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.18%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.45%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
6.08%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
66
66th pctile
Total Loans
Current: $948.8M · Tier avg: $975.5M
64
64th pctile
Loan-to-Deposit Ratio
Current: 89.64% · Tier avg: 83.06%
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.66%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.08% · Tier avg: 21.05%
4
4th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.16%
4
4th pctile
Efficiency Ratio
Current: 87.92% · Tier avg: 62.63%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 87.92% · Tier avg: 62.63%
4
4th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.16%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.08% · Tier avg: 21.05%
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.66%
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
64
64th pctile
Loan-to-Deposit Ratio
Current: 89.64% · Tier avg: 83.06%
66
66th pctile
Total Loans
Current: $948.8M · Tier avg: $975.5M