What are the current interest rates at Queenstown Bank?

Current rates for Queenstown Bank include: Savings: 0.01%

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Queenstown Bank

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Queenstown Bank Rates & Review September 2026

Q: How many branches does Queenstown Bank operate?

Queenstown Bank currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Queenstown Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Queenstown Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

Queenstown Bank's savings rates are at 0.01%. MonitorBankRates evaluates the financial stability of Queenstown Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.78%. Rates last updated and verified on 09/14/2026.

Queenstown Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Queenstown Bank? Share your experience about Queenstown Bank by leaving a review below, or read customer reviews before you decide to use Queenstown Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.78%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

The Queenstown Bank of Maryland

7101 Main St
Queenstown, MD 21658

https://www.queenstownbank.com

Queenstown Bank Savings Rates

Product	Rate	APY
QRewards Savings	0.20%	0.50%
Min Deposit $20 Min Balance $20,000 Details Qualifications Required: Monthly Direct Deposit/ACH credit or ACH payment; e-statement enrollment/paperless delivery; Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.; Daily balances over $20,000 earn an interest rate of 0.20% on the portion of the daily balance over $20,000, resulting in a range from 0.50% to 0.25% APY depending on the account's daily balance. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.78%
QRewards Savings	0.50%	0.50%
Min Deposit $20 Details Qualifications Required: 1 direct deposit or ACH payment transaction(s); 12 debit card purchases post and settle; Be enrolled in and agree to receive eStatements rather than paper statements; Earn 0.50% APY* on balances up to $20,000; 0.50% to 0.25% APY on balances over $20,000 depending on balance in account; Earn 0.01% APY if qualifications aren't met Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.78%
QRewards Savings	0.01%	0.01%
Min Deposit $20 Details When your linked QRewards Plus account qualifications are not met, the entire daily balance in the QRewards Savings account earns an interest rate of 0.01% resulting in an annual percentage yield of 0.01% APY. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.78%

Queenstown Bank Other Rates

Product	Rate	Points	APY/APR
QRewards Plus	-	-	4.50%
Min Deposit $20 Min Balance $20,000 Details Qualifications Required: 1 direct deposit or ACH payment transaction(s); 12 debit card purchases post and settle; enrolled in and agree to receive eStatements rather than paper statements; 4.50% to 1.17% APY on balances over $20,000 depending on balance in account; Earn 0.01% APY if qualifications aren't met; Get paid back ATM fees, nationwide (up to $25 monthly); Link a QRewards Plus account to a QRewards Savings account for free! Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.78%
QRewards Plus	-	-	0.01%
Min Deposit $20 Details Qualifications Required: 1 direct deposit or ACH payment transaction(s); 12 debit card purchases post and settle; enrolled in and agree to receive eStatements rather than paper statements; Earn 4.50% APY on balances up to $20,000; 4.50% to 1.17% APY on balances over $20,000 depending on balance in account; Get paid back ATM fees, nationwide (up to $25 monthly); Link a QRewards Plus account to a QRewards Savings account for free! Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.78%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Queenstown Bank’s Texas Ratio stayed near 0.71% in Q3 2023 to 0.78% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$730M	0.78%	5.0	A+
March 31, 2026	$730M	0.00%	5.0	A+
December 31, 2025	$715M	1.02%	5.0	A+
September 30, 2025	$725M	1.48%	5.0	A+
June 30, 2025	$699M	0.73%	5.0	A+
March 31, 2025	$693M	1.39%	5.0	A+
December 31, 2024	$688M	1.04%	5.0	A+
September 30, 2024	$695M	1.41%	5.0	A+
June 30, 2024	$683M	1.37%	5.0	A+
March 31, 2024	$715M	2.67%	5.0	A+
December 31, 2023	$679M	2.91%	5.0	A+
September 30, 2023	$674M	0.71%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Queenstown Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Queenstown Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Queenstown Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Queenstown Bank

Bank Holding Company QUEENSTOWN BCORP OF MD INC

Address 7101 Main St, Queenstown, MD 21658 · Queen Anne'S

Website https://www.queenstownbank.com

FDIC Certificate # 8816

Established 18990101

FDIC Insurance Date 19340101

Domestic Offices 9

Total Branches 9

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.78%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8578%

Return on Equity (ROE) 8.3200%

Non-Performing Loans (NPL) 0.08%

Total Assets $729,528,000

Total Deposits $648,815,000

Equity Capital $75,553,000

Net Income $3,109,000

Headquarters Queenstown

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Queenstown Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Queenstown Bank

How many branches does Queenstown Bank operate?

Queenstown Bank currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Queenstown Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Queenstown Bank provides members with tools to manage their accounts and build a solid financial history.

Does Queenstown Bank offer online and mobile banking?

Most modern institutions like Queenstown Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.queenstownbank.com.