TellerScore

Headquartered in Queenstown, Maryland, The Queenstown Bank of Maryland is a state-chartered bank with $729.5M in total assets and $648.8M in deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1899.

The Queenstown Bank of Maryland has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 27 banks headquartered in Maryland, it ranks 7th. Problem-loan coverage contributes the most (99/100, 0.7%); earnings contributes the least (54/100, 0.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.60%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.12%
Earnings54/100
Return on assets (annualized): 0.86%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 72.4% · 21.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.72%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 77).

TellerScore
757778Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202475
Q4 202476
Q1 202577
Q2 202577
Q3 202576
Q4 202576
Q1 202678
Q2 202677
Tier 1 leverage ratio
5.00%8.53%12.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.51%
Q3 202411.71%
Q4 202411.56%
Q1 202512.05%
Q2 202511.89%
Q3 202511.72%
Q4 202511.52%
Q1 202611.71%
Q2 202611.60%
Noncurrent loans
0.00%0.12%0.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.21%
Q4 20240.15%
Q1 20250.21%
Q2 20250.11%
Q3 20250.24%
Q4 20250.16%
Q1 20260.00%
Q2 20260.12%
Return on assets
0.78%0.82%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.80%
Q4 20240.80%
Q1 20250.86%
Q2 20250.81%
Q3 20250.81%
Q4 20250.81%
Q1 20260.81%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$729.5M11.60%0.12%0.86%72.4%
Q1 202678$730.4M11.71%0.00%0.81%70.2%
Q4 202576$714.6M11.52%0.16%0.81%70.9%
Q3 202576$724.6M11.72%0.24%0.81%69.5%
Q2 202577$698.6M11.89%0.11%0.81%72.4%
Q1 202577$693.2M12.05%0.21%0.86%72.0%
Q4 202476$688.3M11.56%0.15%0.80%74.2%
Q3 202475$694.9M11.71%0.21%0.80%75.3%
Q2 202475$683.0M11.51%0.19%0.78%76.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.60%
60th
Total risk-based capital19.67%
86th
Problem loans0.12%
72nd
Net charge-offs0.01%
47th
Return on assets0.86%
27th
Net interest margin3.18%
15th
Efficiency ratio64.9%
43rd
Loans to deposits72.4%
65th
Uninsured deposits21.0%
61st
Loan-loss reserves1.38%
71st
Texas ratio0.7%
74th

Similar-size banks in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Ocean CityBank Ocean City, MD75 out of 100, Strong$695.0M11.7%0.59%vs
Harford BankBank Aberdeen, MD62 out of 100, Moderate$776.6M9.9%0.91%vs
Hebron Savings BankBank Hebron, MD88 out of 100, Very strong$838.8M13.4%0.08%vs
BayVanguard BankBank Baltimore, MD80 out of 100, Strong$868.7M17.1%0.48%vs
Farmers and Merchants BankBank Upperco, MD72 out of 100, Strong$874.5M10.0%0.00%vs
The Farmers Bank of WillardsBank Willards, MD76 out of 100, Strong$547.6M12.1%0.70%vs

Deposit insurance

Is my money safe at The Queenstown Bank of Maryland?

Yes. The Queenstown Bank of Maryland is an FDIC-insured institution (FDIC certificate #8816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.0% of deposits ($136.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.67% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

The Queenstown Bank of Maryland lists 9 offices in 9 cities. Most locations:

  • Cambridge, MD (1)
  • Centreville, MD (1)
  • Chester, MD (1)
  • Church Hill, MD (1)
  • Easton, MD (1)
  • Grasonville, MD (1)
  • Queenstown, MD (1)
  • Ridgely, MD (1)
  • Stevensville, MD (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Queenstown Bank of Maryland reported 98 home-loan applications under HMDA (LEI 549300MPX7PJGFD8HA09): 80 originated ($33,400,000 total), 4 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Queenstown Bank of Maryland
Type
State-chartered bank
FDIC certificate #
8816
RSSD ID
429021
Primary regulator
FDIC
Holding company
Queenstown Bcorp of Md Inc
Established
January 1, 1899
Headquarters
7101 Main St, Queenstown, MD 21658
Employees
97

Quick answers

The Queenstown Bank of Maryland: common questions

Is The Queenstown Bank of Maryland FDIC insured?

Yes. The Queenstown Bank of Maryland is an FDIC-insured institution (FDIC certificate #8816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Queenstown Bank of Maryland's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Queenstown Bank of Maryland ever failed?

There is no failure record for FDIC certificate #8816 in the FDIC failed bank list.

How many branches does The Queenstown Bank of Maryland have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Queenstown

InstitutionScoreAssetsCapitalProblem loansCompare
Tower Federal Credit UnionCredit union Laurel, MD83 out of 100, Strong$5.0B14.3%0.39%vs
BayVanguard BankBank Baltimore, MD80 out of 100, Strong$868.7M17.1%0.48%vs
Self Reliance Financial Federal Credit UnionCredit union New York, NY79 out of 100, Strong$2.0B17.2%0.63%vs
Rosedale BankBank Nottingham, MD78 out of 100, Strong$1.4B18.6%0.52%vs
Johns Hopkins Federal Credit UnionCredit union Baltimore, MD76 out of 100, Strong$637.3M12.7%0.65%vs
The Chesapeake Bank & Trust Co.Bank Chestertown, MD75 out of 100, Strong$141.5M9.8%0.22%vs