rosedale bank

What rosedale bank does

Rosedale Bank is a Maryland-chartered mutual community bank headquartered at 9616 Belair Road in Baltimore, founded circa 1909 and operating continuously for 117 years under depositor ownership rather than external shareholders. The bank serves individuals, families, small-to-mid-sized businesses, and non-profit organizations across Baltimore, Harford, and Anne Arundel counties through 13 branch locations combined with digital banking channels including an online platform and native iOS/Android mobile applications.

The product portfolio spans personal deposit accounts (checking, savings, money market up to 3.60% APY, CDs up to 3.65% APY for 12-month terms, IRAs), personal and business Mastercard credit cards (including a $95/year World Elite tier), residential mortgages (fixed, adjustable, construction/permanent, HELOC at 6.75% APR), and a full commercial lending suite (investment real estate, business credit lines, equipment loans, term loans, owner-occupied CRE). Digital services include mobile deposit (128-bit encryption), digital wallet integration across Apple Pay, Google Pay, and Samsung Pay, Zelle person-to-person payments, bill pay, external transfers, and ACH origination. Business banking is augmented by Positive Pay fraud protection, Remote Deposit Capture, desktop wires, Autobooks invoicing, and merchant services.

Revenue mechanics are anchored in net interest income from the loan and securities portfolio funded by deposits, supplemented by deposit account maintenance fees, credit card interchange and annual fees, loan servicing fees, commercial banking service fees, and a small but diversifying recurring subscription stream from MyFinancialHealth premium ($6.99/month). The bank operates as a full-service community lender with local loan decision-making and a relationship-driven GTM targeting Maryland residents and businesses, with no disclosed public funding, M&A activity, or external investor ownership. The institution rebranded from Rosedale Federal Bank to Rosedale Bank in 2025.

Name

rosedale bank

Legal name

Rosedale Bank

Website

https://rosedale.bank

Company type

Private

Founded year

1909

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB), Bank Bill Pay (Consumer & Small Business) (FSAMAJAC)

Keywords

• Community banking services
• Personal banking
• Commercial lending
• Residential mortgages
• Certificate of deposit

Headquarters

HQ city

Baltimore

HQ country

United States

HQ region

North America

Offices14 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest earned on loan portfolio including mortgages, commercial loans, and consumer loans minus interest paid on deposits. Core revenue driver for the mutual bank.
2. Deposit Account Fees: Monthly maintenance fees, excessive withdrawal fees, and other service charges on checking and savings accounts
3. Credit Card Revenue: Transaction fees, interchange revenue, and annual fees from Mastercard credit card products including business and consumer cards
4. Certificate of Deposit Interest Spreads: Interest rate spreads between what is paid to CD depositors and what is earned on loans funded by CD deposits
5. Loan Servicing Fees: Fees collected for loan servicing activities including payoff processing, statements, and escrow management
6. Commercial Banking Services: Fees from merchant services, card payment processing, and business account services
7. MyFinancialHealth Premium Subscription: Premium subscription service at $6.99/month for enhanced credit monitoring, identity theft insurance, and hands-on support

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core offering

Rosedale Bank is a mutual community bank offering personal and business banking products including checking and savings accounts, certificates of deposit, retirement accounts (IRAs), personal and business Mastercard credit cards, residential mortgages, home equity lines of credit, and a full suite of commercial lending products. The bank complements these with digital banking services (online banking, mobile app with mobile deposit, digital wallet integration) and business treasury tools (ACH origination, merchant services, positive pay fraud prevention).

Product overview

Rosedale Bank is a community mutual bank offering a comprehensive suite of personal and business banking products and services. The core product portfolio includes checking and savings accounts, certificates of deposit (CDs), retirement accounts (IRAs), credit cards (personal and business Mastercard products), and mortgage/loan products (fixed and adjustable rate mortgages, construction/permanent loans, home equity lines, and commercial lending). Digital banking services are delivered through Online Banking, Mobile Banking App, Digital Wallet integration (Apple Pay, Google Pay, Samsung Pay), Bill Pay, Mobile Deposit, Direct Deposit, and External Transfers. Additional financial tools include MyFinancialHealth (credit and financial wellness), MyCashFlow (budgeting and financial management), Secure Messaging, eStatements, and Business Treasury services (Merchant Services, ACH Origination, Desktop Wires, Remote Deposit Capture, Positive Pay). The bank operates as a mutual institution, owned by depositors rather than shareholders, with local decision-making for lending and service decisions.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Everyday checking accounts for individuals with debit cards, direct deposit, mobile and online banking, and bill pay capabilities.
• Personal Savings Accounts
• Certificates of Deposit (CDs)
• Retirement Accounts (IRAs)
• Personal Debit Cards
• Personal Credit Cards
• Business Mastercard Credit Cards
• Corporate & Purchasing Credit Cards
• Fixed Rate Mortgages
• Adjustable Rate Mortgages
• Construction/Permanent Mortgages
• Home Equity Line of Credit (HELOC)
• Investment Real Estate Loans
• Business Credit Lines
• Equipment Loans
• Term Loans
• Owner Occupied Commercial Real Estate Loans
• Business Checking Accounts
• Business Savings Accounts
• MyFinancialHealth
• MyCashFlow Financial Management Tool

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

Feature10 records

Partnerships

Six partnerships are on record, tiered core.

• MastercardcoreTechnology or IntegrationExclusive partnership for credit card issuance. Rosedale Bank offers Mastercard Business Platinum, Business Low Rate Platinum, Business Platinum Rewards, and Business World Elite credit cards, plus Corporate and Purchasing cards for businesses. Cards accepted worldwide through Mastercard network.
• Apple PaycoreTechnology or IntegrationDigital wallet integration allowing Rosedale Bank debit card holders to add their cards to Apple Pay for secure contactless payments at participating merchants.
• Google PaycoreTechnology or IntegrationDigital wallet integration for Android users to add Rosedale Bank debit cards for secure mobile payments at participating stores and online.
• Samsung PaycoreTechnology or IntegrationDigital wallet support using virtual account numbers for secure transactions at thousands of participating stores and apps.
• Positive Pay (Fraud Protection)coreTechnology or IntegrationCheck fraud prevention system that verifies checks presented for payment against list of issued checks provided by business customers.
• Apex Bank (Card Servicing)coreTechnology or IntegrationThird-party credit card servicing provider for Mastercard credit card products, handling account management, billing, and payment processing through myapexcard.com portal.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sandy Spring Bank (Sandy Spring Bancorp): A Maryland-based community bank serving the Baltimore-Washington corridor with personal, business, and mortgage banking through a multi-branch network. Directly comparable in geography, product mix (deposits, mortgages, commercial lending), and community-bank positioning.
• WSFS Bank (WSFS Financial Corporation): Mid-Atlantic community bank headquartered in Delaware with branches across the region including Maryland, offering consumer and commercial banking, mortgages, and wealth services. Comparable in community-bank model, product breadth, and regional footprint.
• Fulton Bank (Fulton Financial Corporation): Pennsylvania-headquartered community bank with significant Maryland presence, offering personal and commercial banking, mortgages, and treasury services. Comparable community-bank positioning with a similar product suite and overlapping Mid-Atlantic geography.
• Shore United Bank: Maryland-headquartered community bank operating branches across the Eastern Shore and Baltimore metro, providing consumer and commercial banking, mortgages, and treasury services. Closely comparable as a Maryland-anchored community bank with a similar product portfolio.
• Orrstown Financial Services: Pennsylvania-based community bank with branches across south-central Pennsylvania and the Mid-Atlantic region, offering personal banking, mortgages, and commercial lending. Comparable in scale, community-bank positioning, and commercial/retail lending mix.
• ACNB Corporation: Small community bank holding company operating ACNB Bank in Pennsylvania and Maryland, focused on community banking, mortgages, and commercial lending. Comparable as a small, community-focused Mid-Atlantic bank with overlapping deposit and loan products.
• Tompkins Financial Corporation: A community-focused bank holding company operating Tompkins Community Bank with branches across upstate New York and the Mid-Atlantic, offering personal, business, and mortgage banking. Comparable in community-bank model, branch-based delivery, and product breadth at a similar scale.

Broad incumbents

• M&T Bank: A large regional bank with deep Maryland presence offering personal, commercial, and wealth management banking, plus mortgages and treasury services. Comparable product suite and geography but materially larger scale and broader capabilities than Rosedale.
• F.N.B. Corporation (First National Bank of Pennsylvania): A large regional bank holding company with branches across Pennsylvania, Maryland, and surrounding states, offering consumer and commercial banking, mortgages, and treasury services. Comparable product breadth but a much larger and publicly traded institution.

Regional players

• Atlantic Union Bankshares Corporation: A Virginia-based regional bank that has expanded into Maryland, including via acquisition of Sandy Spring Bancorp. Offers full-service consumer and commercial banking across the Mid-Atlantic and is increasingly a direct competitor to Maryland community banks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks2 records

Key highlights7 records

Customer concentration

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

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about rosedale bank