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Rosedale Federal Savings and Loan Association

Overview / Commentary
410-256-5200
9616 Belair Road
Nottingham, MD 21236

Rosedale Federal Savings and Loan Association is headquartered in Nottingham and is the 9th largest bank in the state of Maryland. It is also the 858th largest bank in the nation. It was established in 1908 and as of December of 2013, it had grown to 79 employees at 9 locations. Rosedale Federal Savings and Loan Association has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Rosedale Federal Savings and Loan Association had $10.44 million in non-current loans and owned real-estate with $184.72 million in equity and loan loss allowances on hand to cover it. This gives Rosedale Federal Savings and Loan Association a Texas Ratio of 5.65% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Rosedale Federal Savings and Loan Association experienced no significant changes from 3.63% as of December 31, 2012 to 5.65% as of December 31, 2013, resulting in a negative change of 55.62%. This indicates that the balance sheet and financial strength for Rosedale Federal Savings and Loan Association has had no significant changes in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Rosedale Federal Savings and Loan Association has decreased its total deposits by -$21.98 million, resulting in -3.51% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Rosedale Federal Savings and Loan Association has shown is below average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Rosedale Federal Savings and Loan Association has $786.1 million in assets with $184.72 million in equity, resulting in a capitalization level of 23.50%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #29613
Year Established1908
Employees79
Primary RegulatorOCC
Assets and Liabilities
Assets$786.10 million
Loans$510.30 million
Deposits$604.37 million
Equity Capital$180.56 million
Loan Loss Allowance$4.16 million
Unbacked Noncurrent Loans$9.78 million
Real Estate Owned$658,000
Historic Data - December 2012
Assets$797.30 million
Equity Capital$170.27 million
Loan Loss Allowance$4.00 million
Unbacked Noncurrent Loans$9.78 million
Real Estate Owned$316,000
Profit Margin - Quarterly
Net Interest Margin3.8%
Return on Assets1.3%
Return on Equity5.87%
Interest Income$33.22 million
Rates

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Rosedale Federal Savings and Loan Association Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100-Statement Savings Account

Rosedale Federal Savings and Loan Association Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$2,500-Money Market

Rosedale Federal Savings and Loan Association Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100-Basic NOW Checking
0.10%$100-Basic Super NOW Checking
0.10%$100-Easy NOW Checking
0.10%$100-Easy Super NOW Checking

Rosedale Federal Savings and Loan Association CD Rates

DetailsAPYMINMAXPRODUCT
1.75%$500-60 Month CD
1.25%$500-48 Month CD with "Step-Up" Option
1.00%$10k-36 Month CD with "Step-Up" Option
0.70%$500-30 Month CD
0.65%$10k-20 Month CD with "Step-Up" Option
0.65%$10k-24 Month CD
0.60%$500-18 Month CD
0.50%$500-12 Month CD
0.40%$500-6 Month CD
0.40%$10k-9 Month CD

Rosedale Federal Savings and Loan Association IRA Rates

DetailsAPYMINMAXPRODUCT
0.70%--IRA
Locations


Rosedale Federal Savings and Loan Association Locations
Bel Air Branch1009 Churchville RoadBel Air, MD 21014
Forest Hill Branch104 Forest Valley DriveForest Hill, MD 21050
Abingdon Branch3111 Emmorton RoadAbingdon, MD 21009
Kenwood Branch6249 Kenwood Avenue Ste ARosedale, MD 21237
Overlea Branch6708 Belair RoadBaltimore, MD 21206
Rosedale Branch7810 Philadelphia RoadRosedale, MD 21237
White Marsh Branch7939 Honeygo BoulevardNottingham, MD 21236
Rosedale Federal Savings and Loan Association9616 Belair RoadNottingham, MD 21236
Perry Hall Branch9616 Belair RoadNottingham, MD 21236