Total Assets
$715M
Total balance-sheet footings
FDIC Cert #8816 · Queenstown, Maryland · Est. 1899
The Queenstown Bank of Maryland - FDIC Bank Health Profile
A community-scale look at The Queenstown Bank of Maryland's own numbers, pulled straight from its quarterly FDIC Call Report.
- $715M
- Total assets
- A
- Health grade · Excellent
- 0.81%
- Return on assets
- 18.2%
- Tier 1 capital
Data updated July 2026
The verdict
The Queenstown Bank of Maryland earns a PlainBankData health grade of A (82/100), with well-capitalized at 18.20% Tier 1, 0.81% ROA, 66% efficiency ratio.
- #1,365
- largest of 4,313 FDIC banks by assets
- 68th
- percentile by asset size, nationally
- 18.20%
- Tier 1 ratio - above the 10% well-capitalized line
- 30th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Queenstown Bank of Maryland's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Queenstown Bank of Maryland's composite health score
Tier 1 Capital Ratio (18.20%) 40/40
Return on Assets (ROA) (0.81%) 14/25
Texas Ratio (0.93%) 20/20
Efficiency Ratio (65.77%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$636M
Customer-funded liabilities
Net Loans
$451M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Queenstown Bank of Maryland ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Queenstown Bank of Maryland's score of 82/100 falls in the highlighted band.
The Queenstown Bank of Maryland's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Queenstown Bank of Maryland's $715M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.20% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.20%
Texas Ratio
0.93%
Equity Capital
$74M
Profitability metrics
Return on Assets (ROA)
30th percentile nationally
0.81%
Return on Equity (ROE)
8.05%
Efficiency Ratio
65.77%
What the numbers say about The Queenstown Bank of Maryland
The Queenstown Bank of Maryland is an FDIC-insured institution (Certificate #8816) headquartered in Queenstown, Maryland, established in 1899. It holds $715M in total assets - 1,365th of 4,313 FDIC-insured banks, $636M in customer deposits, and $451M in net loans. Looking at capital strength, Tier 1 stands at 18.20%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.93%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (82/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Maryland, The Queenstown Bank of Maryland ranks 15th of 28 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$31M
Interest Income
$2M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Queenstown Bank of Maryland reports a Texas Ratio of 0.93% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.93% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Maryland by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Queenstown Bank of Maryland (FDIC Cert #8816) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| EagleBankBethesda | $10.4B | C | -1.20% |
| Forbright BankPotomac | $7.9B | B | 1.35% |
| Shore United Bank, National AssociationEaston | $6.3B | B | 1.08% |
| CFG BankLutherville | $5.7B | B | 1.43% |
| Capital Bank, National AssociationRockville | $3.5B | B | 1.51% |
| First United Bank & TrustOakland | $2.1B | A | 1.27% |
| Rosedale BankNottingham | $1.3B | B | 0.18% |
| Middletown Valley BankMiddletown | $1.1B | B | 0.90% |
Frequently asked questions
What is The Queenstown Bank of Maryland's health grade?▼
The Queenstown Bank of Maryland receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Queenstown Bank of Maryland?▼
The Queenstown Bank of Maryland holds $715M in total assets and $636M in deposits, ranking 1,365th of 4,313 FDIC-insured banks by asset size. It is headquartered in Queenstown, Maryland.
Is my money safe at The Queenstown Bank of Maryland?▼
Yes, deposits at The Queenstown Bank of Maryland (Certificate #8816) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Queenstown Bank of Maryland's Tier 1 Capital Ratio?▼
The Queenstown Bank of Maryland has a Tier 1 Capital Ratio of 18.20%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Queenstown Bank of Maryland?▼
The Queenstown Bank of Maryland has a Texas Ratio of 0.93%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Queenstown Bank of Maryland?▼
The Queenstown Bank of Maryland has an Efficiency Ratio of 65.77%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Queenstown Bank of Maryland's profile as a depositor or analyst.
- The Queenstown Bank of Maryland's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Queenstown Bank of Maryland against other Maryland banks before moving funds. Maryland banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.