Rosedale Bank
Nottingham, Maryland, Baltimore County
$1.4B in total assets, the 831st largest of 4,309 US banks and 7th of 27 headquartered in Maryland.
- FDIC certificate
- 29613
- Established
- 1908
- Owned by
- No holding company
- Primary regulator
- OCC
- Website
- www.rosedale.bank
At a glance
Compared with 9 banks headquartered in Maryland with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.4B | 33% | $3.8B | |
| Loans | $965M | 22% | $3.1B | |
| Deposits | $1.1B | 33% | $3.4B | |
| Return on assets | 0.30% | 11% | 1.20% | |
| Net interest margin | 2.62% | 2% | 3.78% | |
| Efficiency ratio | 82.0% | 89% | 61.0% | |
| Equity to assets | 18.78% | 98% | 10.63% | |
| Loans to deposits | 88% | 56% | 87% |
Growth
Total assets grew 5.2% a year over the last 5 years and 5.2% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2022 | Chesapeake Bank of Maryland Parkville, MD | $241M |
| Oct 2017 | Midstate Community Bank Baltimore, MD | $162M |
Where they operate
15 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Baltimore County, MD | $884M | 3.3% | 8 of 25 |
| Harford County, MD | $187M | 3.7% | 8 of 13 |
| Anne Arundel County, MD | $26M | 0.2% | 23 of 25 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 6 branches since 2016 (9 to 15, +66.7%). 3 opened, 4 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2017 | Acquired Midstate Community Bank | 1 | 0 | +1 | 10 |
| 2018 | Opened DundalkClosed Rosedale | 1 | 1 | 0 | 10 |
| 2022 | Acquired Chesapeake Bank of MarylandOpened Timonium | 4 | 0 | +4 | 14 |
| 2024 | Opened Baltimore | 1 | 0 | +1 | 15 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 55% | 23% | |
| Commercial real estate | 33% | 41% | |
| Construction and land | 8% | 8% | |
| Business (C&I) | 2% | 14% | |
| Multifamily | 2% | 6% | |
| Consumer | 0% | 2% | |
| Other | 0% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 54% | 23% | |
| Other interest-bearing | 39% | 57% | |
| Noninterest-bearing | 8% | 20% |
Brokered deposits are 0.0% of deposits (peers 10.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.52% | 1.46% |
| Net charge-offs, annualized | 0.01% | 0.09% |
| Reserves to loans | 0.84% | 1.20% |
| Leverage ratio | 18.61% | 11.24% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Maryland
Largest competitors in Baltimore County, MD
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/rosedale