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Harford Bank

Aberdeen, MD · Cert 19101

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

43

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

73

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Harford Bank

Aberdeen, MD · Cert 19101

State charter, non-member · FDIC · 9 branches

Q2 2026

$776.6MAssets
$584.1MLoans
$692.5MDeposits
$74.6MEquity
Loan mix
86%RE $475.4M9%C&I $51.0M5%Consumer $25.4MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $526.3M24%Noninterest $166.2MQ2 2025Q2 2026

NIM

4.78%Q2 ’244.85%Q2 ’255.13%Q2 ’26+3%+14%

Non-interest income vs. expense

2.20%Q2 ’242.29%Q2 ’252.39%Q2 ’26+4%+5%

Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.6% share · #17 of 40 inst. · $0.6B of $106.1B

12.6% Harford
4.5% Cecil

Executive Summary

  • Earnings: ROA of 1.09%, up 19 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.91% of loans (-30 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.95%, up 53 bps from a year ago.
  • Funding: loans stand at 84.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+46 bps YoY

Efficiency Ratio (YTD, annualized)

59.51%-508 bps YoY

Tier 1 Leverage Ratio

9.95%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.94%0.97%0.99%1.09%+19 bps
Return on Equity9.76%10.15%10.40%10.06%11.15%+139 bps
Net Interest Margin3.25%3.32%3.39%3.67%3.72%+46 bps
Efficiency Ratio64.60%63.42%61.92%62.38%59.51%-508 bps
Non-Interest Burden2.00%2.00%1.99%2.18%2.09%+10 bps
Growth
Asset Growth (YoY)4.04%3.31%2.09%1.63%6.62%+258 bps
Loan Growth (YoY)-4.13%-0.78%8.70%14.30%17.68%+2,181 bps
Deposit Growth (YoY)9.41%5.40%1.40%0.80%5.65%-376 bps
Asset Quality
Nonperforming Loans / Loans1.21%1.15%1.12%0.97%0.91%-30 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%0 bps
Allowance / Loans1.21%1.21%1.23%1.24%1.23%+2 bps
Allowance Coverage of NPLs1.0x1.0x1.1x1.3x1.4x+0.4x
Capital
Tier 1 Leverage Ratio9.42%9.58%9.75%9.97%9.95%+53 bps
Total Risk-Based Capital15.25%15.40%14.72%14.59%14.30%-94 bps
Equity / Assets9.32%9.45%9.78%9.93%9.61%+28 bps
Liquidity & Funding
Loans / Deposits75.72%76.02%83.24%85.59%84.35%+862 bps
Liquid Assets / Assets29.02%28.50%21.79%20.03%20.39%-863 bps
CRE / Total Capitaln/a382%421%433%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Harford Bank

Aberdeen, MD · Cert 19101 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 9 branches

Q2 2026

$776.6MAssets
$584.1MLoans
$692.5MDeposits
$74.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 73% of banks under $1B in assets (rank 169 of 629).
  • Widest gap: nonperforming loans / loans trails 67% of banks under $1B in assets (rank 393 of 581).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.05%

Rank 301 of 629

Net Interest Margin

3.72%

Rank 264 of 629

Efficiency Ratio

59.51%

Rank 169 of 629

Equity / Assets

9.61%

Rank 413 of 629

Non-interest income vs. expense

$2.2M$17.9MINCOMEEXPENSE
Unfavorable gap of $15.7M · efficiency ratio beats 73% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.05%0.60%1.01%1.45%Beats 52%301 / 629
Return on Equity10.88%5.38%9.30%13.28%Beats 60%253 / 629
Net Interest Margin3.72%3.03%3.54%4.05%Beats 58%264 / 629
Efficiency Ratio59.51%58.35%67.79%79.08%Beats 73%169 / 629
Asset Quality
Nonperforming Loans / Loans0.91%0.09%0.46%1.20%Beats 33%393 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 59%240 / 581
Capital
Tier 1 Capital Ratio13.05%11.24%13.84%18.77%Beats 45%349 / 629
Total Risk-Based Capital Ratio14.30%11.58%14.43%19.66%Beats 49%321 / 629
Equity / Assets9.61%9.09%10.65%13.80%Beats 34%413 / 629
Liquidity & Funding
Loans / Deposits84.35%67.24%80.90%93.48%55th pctl265 / 594
Loans / Assets75.21%53.31%67.71%78.15%67th pctl209 / 629
Brokered Deposits / Depositsn/aNot reported for this institution