Rosedale Federal Savings & Loan Association

What Rosedale Federal Savings & Loan Association does

Rosedale Federal Savings & Loan Association, doing business as Rosedale Bank, is a federally chartered, mutually-held community savings and loan institution headquartered in Baltimore, Maryland. Founded in 1908, the bank has operated for over 117 years under a community-banking model built around local decision-making, personal relationships, and a Maryland-focused footprint. In 2025 the institution rebranded to Rosedale Bank as part of a brand and digital modernization, while preserving its mutual ownership structure (depositor-owned, not publicly traded).

The bank serves two principal customer segments: individual consumers and small-to-mid-sized businesses, both inside Maryland. For personal customers it offers checking, savings, certificates of deposit (current 12-month CD at 3.65% APY), retirement accounts (IRAs), debit and credit cards, residential mortgages, and a Home Equity Line of Credit (6.75% APR, 10-year, 80% LTV). For commercial customers it provides business checking and savings, commercial and business loans, commercial real estate financing, business credit cards, wire transfers, and extended FDIC insurance coverage above standard limits. Distribution combines physical branches in Maryland with a web-based online banking platform (my.rosedale.bank), a branded mobile app, third-party payment-app integration, phone support (410.668.4400), and self-service tools such as a Learning Center, MyFinancialHealth resource portal, and mortgage/financial calculators.

Revenue is generated primarily through net interest income (the spread between interest earned on the loan portfolio and interest paid on deposits) supplemented by transaction-based banking service fees across deposits, cards, wires, and account services. Growth has been incremental rather than venture-style, executed through inorganic footprint expansion — the bank acquired Midstate Community Bank in February 2017 and acquired CBM Bancorp, Inc. (Chesapeake Bank of Maryland) in an all-cash $64.4M transaction announced January 2022 and completed in the first half of 2022. The institution is FDIC insured (NMLS #413320), with routing number 252071557 centered on the Baltimore metro, and it employs between 101 and 250 people. No venture funding, equity raises, or institutional investor ownership signals are present, consistent with mutual status.

Name

Rosedale Federal Savings & Loan Association

Legal name

Rosedale Federal Savings & Loan Association

Website

https://rosedalefederal.com

Company type

Private

Founded year

1908

Operating status

Operating

Headcount range

101–250 employees

Short description

Rosedale Bank (formerly Rosedale Federal Savings & Loan Association) is a Maryland-based mutual community bank offering personal and small-business deposit, lending, mortgage, and digital banking services, grown primarily through in-market acquisitions since its 1908 founding.

Ownership category

akta.pro rank

Product category

Retail / Community Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Depository Credit Intermediation (5221)

SIC

Savings Institution, Federally Chartered (6035), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Community banking
• Retail banking services
• Mortgage lending
• Commercial lending
• Consumer deposits

Headquarters

HQ city

Baltimore

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Net Interest Income: Interest income generated from lending activities including mortgages, home equity lines, commercial loans, and other credit products. Core banking revenue derived from spread between interest earned on loans and interest paid on deposits.
2. Banking Service Fees: Fees from checking accounts, savings accounts, certificates of deposit, wire transfers, credit cards, business account services, and other banking services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Rosedale Bank is a community-focused mutual savings and loan institution offering personal and business banking services. Its core offerings include deposit products (checking, savings, CDs, retirement accounts, debit and credit cards), consumer and commercial lending (mortgages, home equity lines of credit, commercial real estate, business loans), and digital banking channels delivered through branches, online banking, and a mobile app across Maryland.

Product overview

Rosedale Bank (formerly Rosedale Federal Savings & Loan Association) offers a unified banking platform combining personal and commercial banking services. The core product portfolio includes personal checking, savings, CDs, retirement accounts, debit/credit cards, and mortgage products including home equity lines of credit. For business customers, the bank provides business checking, savings, commercial loans, commercial real estate financing, and business credit cards. Digital banking services are delivered through a unified Online Banking platform and Mobile App, with payment integration capabilities. Supporting services include financial calculators, a Learning Center, and MyFinancialHealth tools. The bank emphasizes its 117 years of experience and FDIC insurance backing, operating primarily in Maryland.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Personal checking accounts offering everyday banking features with secure online access, debit card access, and convenient branch services for individual consumers in Maryland.
• Personal Savings Personal savings accounts designed to help customers save money with competitive rates and secure access to funds.
• Certificates of Deposit (CDs) Fixed-term deposit accounts offering guaranteed returns with competitive APY rates, with the featured 12-month CD currently at 3.65% APY.
• Retirement Accounts (IRAs) Individual retirement accounts (IRAs) and other retirement planning solutions to help customers save for the future.
• Personal Debit Cards Personal debit cards providing convenient access to funds with secure chip technology and online purchasing capabilities for retail account holders.
• Personal Credit Cards Personal credit card products offering flexible payment options, rewards, and secure transaction capabilities for individual consumers.
• Mortgages Home mortgage loan products including purchase financing and refinancing options for residential properties, with rate quotes handled through the branch.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity, currently offering 6.75% APR for 80% LTV with a 10-year term (variable rate, APR based on creditworthiness).
• Business Checking Commercial checking accounts designed for business banking needs with features for cash flow management and transaction tracking for small and mid-sized business customers.
• Business Savings Business savings accounts offering competitive rates for commercial deposits and excess cash reserves for business customers.
• Commercial and Business Loans Loan products for business financing needs including working capital, equipment purchases, and business expansion for small and mid-sized commercial customers.
• Commercial Real Estate Financing Financing solutions for commercial property acquisition, development, and refinancing targeted at local business and real estate investors.
• Business Credit Cards Credit card products tailored for business expenses with spending controls and reporting features for business customers.
• Extended FDIC Insurance Deposit insurance coverage exceeding standard FDIC limits for business customers requiring larger deposit protection above standard per-depositor thresholds.
• Business Account Services Additional business banking services including wire transfers, merchant services, and cash management solutions for business customers.
• Online Banking Digital banking platform providing secure account access, bill pay, fund transfers, and account management through a web browser (my.rosedale.bank).
• Mobile Banking App Mobile banking application for smartphones enabling secure access to accounts, transactions, and banking services on the go for retail and business customers.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• CBM Bancorp, Inc.coreOthers · 28 January 2022Rosedale Federal Savings & Loan Association acquired CBM Bancorp, Inc. in an all-cash transaction valued at $64.4 million. The merger was expected to close during the first half of 2022 after regulatory and shareholder approvals, expanding Rosedale Federal's footprint in Maryland. This represents a significant acquisition expanding the bank's market presence.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Bank of Glen Burnie: Maryland-based community bank offering personal and commercial deposit and lending products in the Baltimore metro. Highly comparable to Rosedale in geography, product mix, and mutual/community positioning.
• Arundel Federal Savings Bank: Federally chartered mutual savings bank headquartered in Anne Arundel County, Maryland, serving the Baltimore-Annapolis corridor with deposit and mortgage products. Closely mirrors Rosedale's mutual savings structure and Maryland footprint.
• Harford Bank: Independent Maryland community bank in Harford County providing personal and business banking, mortgages, and commercial lending. Directly comparable community-bank profile and Maryland geography.
• Carroll Community Bank: Maryland community bank offering consumer and business deposit, loan, and mortgage products in the central Maryland region. Comparable in scale and product breadth to Rosedale.
• Shore United Bank: Maryland-headquartered community bank serving the Eastern Shore and broader state with personal, business, and mortgage banking. Comparable community-bank model with a Maryland footprint that overlaps with Rosedale's.
• Hamilton Bank: Baltimore-area community bank offering deposit accounts, mortgages, and commercial lending to individuals and businesses. Direct overlap with Rosedale in target market and product set.
• Capitol Federal Financial: Federally chartered mutual savings bank (one of the largest in the U.S.) operating under a mutual structure analogous to Rosedale, with a focus on mortgage and community banking. Highly comparable governance and business model.

Broad incumbents

• First National Bank of Maryland (FNB Corporation): Larger multi-state regional bank with a meaningful Maryland presence and full consumer/commercial product suite. Comparable product overlap but materially larger scale and publicly traded versus Rosedale's mutual community profile.
• Atlantic Union Bank: Large Mid-Atlantic regional bank with extensive Virginia/Maryland branch network and full commercial banking capabilities. Competes for the same Maryland consumer and SMB customers as Rosedale but at materially greater scale.

Regional players

• MECU (Baltimore-area credit union): Large Baltimore-area credit union offering consumer deposits, mortgages, and business banking to the same Maryland market Rosedale serves. Comparable geographic focus but cooperative ownership model and tax treatment differ.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@rosedalebank
• Facebookfacebook.com/RosedaleBank
• LinkedInlinkedin.com/company/rosedalefederal
• Instagraminstagram.com/rosedalebank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rosedale Federal Savings & Loan Association