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
Unfavorable gap of $15.7M · efficiency ratio beats 73% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.60% | 1.01% | 1.45% | Beats 52% | 301 / 629 | n/a | |
| Return on Equity | 10.88% | 5.38% | 9.30% | 13.28% | Beats 60% | 253 / 629 | n/a | |
| Net Interest Margin | 3.72% | 3.03% | 3.54% | 4.05% | Beats 58% | 264 / 629 | n/a | |
| Efficiency Ratio | 59.51% | 58.35% | 67.79% | 79.08% | Beats 73% | 169 / 629 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.09% | 0.46% | 1.20% | Beats 33% | 393 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 59% | 240 / 581 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 13.05% | 11.24% | 13.84% | 18.77% | Beats 45% | 349 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 14.30% | 11.58% | 14.43% | 19.66% | Beats 49% | 321 / 629 | n/a | |
| Equity / Assets | 9.61% | 9.09% | 10.65% | 13.80% | Beats 34% | 413 / 629 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 84.35% | 67.24% | 80.90% | 93.48% | 55th pctl | 265 / 594 | n/a | |
| Loans / Assets | 75.21% | 53.31% | 67.71% | 78.15% | 67th pctl | 209 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |