BlastPoint's Banking Scorecard
The Queenstown Bank of Maryland
Community
Specialty: Commercial
MD
FDIC cert 8816
Queenstown, MD
1484
banks in Community tier nationally
13 in MD
View Community leaderboard (MD) →
The Queenstown Bank of Maryland faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4% in Community
- - Credit Quality Pressure: Bottom 7% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$714.6M
+3.8% YoY
-1.4% QoQ
|
-$676.9M |
$1.4B
+2.0% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$450.5M
+2.7% YoY
+0.4% QoQ
|
-$524.9M |
$975.5M
+2.4% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$635.8M
+7.5% YoY
-1.5% QoQ
|
-$528.8M |
$1.2B
+1.7% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
0.81%
+1.3% YoY
-0.8% QoQ
|
-0.36% |
1.16%
+17.2% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.07%
+2.5% YoY
+0.6% QoQ
|
-0.60% |
3.66%
+9.1% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
65.77%
+0.4% YoY
+1.3% QoQ
|
+3.14% |
62.63%
-5.3% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.17%
+6.7% YoY
-31.6% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
70.86%
-4.4% YoY
+2.0% QoQ
|
-12.20% |
83.06%
+0.3% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
27.15%
-3.2% YoY
+2.1% QoQ
|
+6.10% |
21.05%
-0.9% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.10%
+5.6% YoY
-30.4% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
18.20%
+2.4% YoY
-1.4% QoQ
|
+7.96% |
10.24%
-0.6% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.29%
+11.5% YoY
+34.8% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#27 of 642 · Bottom 4% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#60 of 808 · Bottom 7% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.17%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
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
89
89th pctile
Tier 1 Capital Ratio
Current: 18.20% · Tier avg: 10.24%
79
79th pctile
Loan-to-Deposit Ratio
Current: 70.86% · Tier avg: 83.06%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.15% · Tier avg: 21.05%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
38
38th pctile
Efficiency Ratio
Current: 65.77% · Tier avg: 62.63%
32
32th pctile
Total Deposits
Current: $635.8M · Tier avg: $1.2B
28
28th pctile
Total Assets
Current: $714.6M · Tier avg: $1.4B
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
23
23th pctile
Total Loans
Current: $450.5M · Tier avg: $975.5M
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
20
20th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.66%
Top Weaknesses
20
20th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.66%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
23
23th pctile
Total Loans
Current: $450.5M · Tier avg: $975.5M
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
28
28th pctile
Total Assets
Current: $714.6M · Tier avg: $1.4B
32
32th pctile
Total Deposits
Current: $635.8M · Tier avg: $1.2B
38
38th pctile
Efficiency Ratio
Current: 65.77% · Tier avg: 62.63%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.15% · Tier avg: 21.05%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
79
79th pctile
Loan-to-Deposit Ratio
Current: 70.86% · Tier avg: 83.06%
89
89th pctile
Tier 1 Capital Ratio
Current: 18.20% · Tier avg: 10.24%