Queenstown Bank of Maryland
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.2 and a capital leverage ratio of 12.1. A current level of 1.1 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.3) profitability.
Asset Mix:
Home mtgs (28%), comm re (21%), securities (18%), cash (12%), home eq lns (2%), comm loans (2%), consumer loans (1%), other (16%)
States with Branches:
MD
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Queenstown Bancorp of Maryland, Inc.
Investment Rating
--
Address
7101 Main Street
Queenstown, MD 21658
Queenstown, MD 21658
Phone Number
(410) 827-8881
Year Founded
1899
FDIC Number
Website
Largest Affiliates
No affiliate information available.