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Harford Bank
Aberdeen, MD · FDIC Certificate #19101 · Chartered 05/0
Total assets
$776.63M
Total deposits
$692.52M
Total equity
$74.61M
Net loans
$576.92M
Branches (offices)
9
Net income (YTD)
$4.06M
Rank: #1,282 of 4,213 U.S. banks by assets · #14 of 27 in Maryland. Assets changed 6.6% and deposits 5.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.09% |
| Return on equity | 11.15% |
| Net interest margin (YTD) | 3.89% |
| Equity to assets | 9.61% |
| Tier 1 leverage ratio | 9.95% |
| Uninsured deposits (share of deposits) | 31.9% |
| Noncurrent loans (share of loans) | 0.91% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 83.3% |
| Real estate loans (share of loans) | 86.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $500.70M | 86.8% | |
| Commercial & industrial | $50.93M | 8.8% | |
| Consumer / individual | $24.46M | 4.2% | |
| Construction & development | $34.25M | 5.9% | |
| Agricultural | $415.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $610.57M | $556.96M | $2.00M | $51.22M |
| Jun 2023 | $626.26M | $538.25M | $2.87M | $55.91M |
| Jun 2024 | $700.13M | $599.12M | $2.95M | $61.44M |
| Jun 2025 | $728.41M | $655.50M | $3.24M | $67.92M |
| Jun 2026 | $776.63M | $692.52M | $4.06M | $74.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $692.52M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $692.52M.
Similar-sized banks
People'S Bank Of Commerce ($776.72M) · Home State Bank, National Association ($775.95M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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