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The Queenstown Bank Of Maryland
Queenstown, MD · FDIC Certificate #8816 · Chartered 01/0
Total assets
$729.53M
Total deposits
$648.82M
Total equity
$75.55M
Net loans
$469.90M
Branches (offices)
9
Net income (YTD)
$3.11M
Rank: #1,340 of 4,213 U.S. banks by assets · #15 of 27 in Maryland. Assets changed 4.4% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.86% |
| Return on equity | 8.32% |
| Net interest margin (YTD) | 3.18% |
| Equity to assets | 10.36% |
| Tier 1 leverage ratio | 11.60% |
| Uninsured deposits (share of deposits) | 21.0% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 72.4% |
| Real estate loans (share of loans) | 96.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $453.22M | 96.5% | |
| Commercial & industrial | $17.25M | 3.7% | |
| Consumer / individual | $4.72M | 1.0% | |
| Construction & development | $27.90M | 5.9% | |
| Agricultural | $1.02M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $667.64M | $605.66M | $3.09M | $58.79M |
| Jun 2023 | $676.82M | $594.14M | $3.14M | $58.58M |
| Jun 2024 | $682.96M | $589.25M | $2.70M | $63.56M |
| Jun 2025 | $698.60M | $622.98M | $2.79M | $70.72M |
| Jun 2026 | $729.53M | $648.82M | $3.11M | $75.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $648.82M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $648.82M.
Similar-sized banks
Dairy State Bank ($730.30M) · Grandview Bank ($729.34M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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