Old Line Bank

1525 Pointer Ridge Place
Bowie, MD 20716

Notable Rates APY Vs.Others
Savings 0.05% 2.20% →
1-Year CD 1.35% 2.20% →
2-Year CD 1.45% 2.20% →
5-Year CD 1.50% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Old Line Bank is an FDIC insured institution located in Bowie, MD. It was founded in 1989 and has approximately $3.1 billion in assets. Customers can open an account at one of its 32 branches.

FDIC Insured Yes
FDIC Certificate # 27599
Date Established 1989
Assets $3.07 billion
Loans $2.50 billion
Deposits $2.42 billion
Capital $0.43 billion

For a more detailed analysis of Old Line Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 17, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 $4,999 Learn MoreShow Less
Money Market
0.15% $5,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 - Learn MoreShow Less
3 Mo CD
0.50% $500 - Learn MoreShow Less
6 Mo CD
1.35% $500 - Learn MoreShow Less
12 Mo CD
1.35% $500 - Learn MoreShow Less
Special: 13 Mo CD
1.20% $5,000 - Learn MoreShow Less
18 Mo CD
1.25% $500 - Learn MoreShow Less
24 Mo CD
1.45% $500 - Learn MoreShow Less
36 Mo CD
1.40% $500 - Learn MoreShow Less
48 Mo CD
1.50% $500 - Learn MoreShow Less
60 Mo CD
1.50% $500 - Learn MoreShow Less

Fixed IRA
1.35% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.25% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 $2,499 Learn MoreShow Less
Int Ckg
0.10% $2,500 - Learn MoreShow Less

Loan Rates - February 17, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Old Line Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.378% 3.375% 0.00 $92 $1,106 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Old Line Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Old Line Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Old Line Bank Locations

Financial Details

Old Line Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Old Line Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Old Line Bank U.S. Bank Average
2.2% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Old Line Bank had $8,463,000 in non-current loans and $1,092,000 in owned real estate. To cover these potential losses it had $426,986,000 in equity and $8,001,000 in loans loss reserves. That gives it a Texas Ratio of 2.2%.

Return on Equity
Old Line Bank U.S. Bank Average
9.21% 9.72%

Old Line Bank has a Return on Equity of 9.21% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Old Line Bank U.S. Bank Average
13.89% 12.89%

Old Line Bank has a Capitalization of 13.89% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Old Line Bank Balance Sheet Analysis

As of September 30, 2019, Old Line Bank had assets of $3,095,359,000, loans of $2,496,456,000, and deposits of $2,416,965,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.02 billion
Total securities $0.27 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $2.50 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.11 billion
All other assets $0.10 billion
     Total Assets $2.67 billion
Total deposits $2.42 billion
      Interest-bearing deposits $1.79 billion
      Deposits held in domestic offices $2.42 billion
      % insured (estimated) 78.23%
Federal funds purchased and repurchase agreements $0.02 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.21 billion
Subordinated debt $0.00 billion
All other liabilities $0.02 billion
      Total Liabilities $2.67 billion
      Shareholders’ Equity $0.41 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.09 billion
Total Interest Expense $0.02 billion
Net interest income $0.07 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.04 billion
Pre-tax Net Operating Income $0.04 billion

Bank Loan Profile?

The top three loan types in Old Line Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Maryland, Old Line Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 18.20
Credit Card Loans 0.00
Consumer Auto Loans 0.40
Small Business Loans 9.24
Construction and Development Loans 8.14
Commercial Real Estate 55.66
Commercial and Industrial Loans 11.75
Farm Loans 0.00

Frequently Asked Questions About Old Line Bank

Branches and Savings

Is Old Line Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27599.

Why does Old Line Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Old Line Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Old Line Bank a commercial bank?


Where are Old Line Bank locations?

See branch locations nearby.

Is Old Line Bank open on Saturdays?

Is Old Line Bank open on Sundays?

What time does Old Line Bank open?

What time does Old Line Bank close?

Are Old Line Bank ATMs Open 24/7?

Do Old Line Bank ATMs accept cash deposits?

Can Old Line Bank customers use other ATMs?

Do Old Line Bank branches have notaries?

Will Old Line Bank notarize my document?

What address for Old Line Bank should I put for incoming ACH transfers?

Will the Old Line Bank branch print checks?

Do Old Line Bank checks expire?

Does Old Line Bank require US citizenship to open account?

Can Old Line Bank close my account?

Does Old Line Bank Report to credit bureaus?

Does Old Line Bank Use Equifax?

What is Old Line Bank's ACH Routing Number?

What is Old Line Bank's SWIFT code?


Does Old Line Bank offer mortgages?

Compare mortgage rates here.

Does Old Line Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Old Line Bank offer personal loans?

Compare personal loan rates here.

Does Old Line Bank offer student loans?

Will Old Line Bank cash a check?

Will Old Line Bank redeem a savings bond?

Does Old Line Bank cash savings bonds?

Will Old Line Bank cash money orders?

Can Old Line Bank issue a money order?

Does Old Line Bank do currency exchange?

Background on The Bank

Who owns Old Line Bank?

How long has Old Line Bank been around?

Can Old Line Bank transfer to other banks?

Does Old Line Bank have quick pay?

Does Old Line Bank accept rolled coins?

Will Old Line Bank accept loose change?

Where is Old Line Bank headquarters?

Customer Reviews for Old Line Bank

There are currently no comments for Old Line Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →