Harbor Bank of Maryland, The
Baltimore, MD · Cert 24015 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Harbor Bankshares Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
$383.2MAssets
$228.8MLoans
$323.8MDeposits
$46.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 82% of banks under $1B in assets operating in a single state (rank 132 of 746).
- Widest gap: efficiency ratio trails 92% of banks under $1B in assets operating in a single state (rank 687 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.37%
Rank 654 of 746
Net Interest Margin
4.34%
Rank 132 of 746
Efficiency Ratio
90.04%
Rank 687 of 746
Equity / Assets
12.22%
Rank 227 of 746
Non-interest income vs. expense
Unfavorable gap of $14.8M · efficiency ratio beats 8% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.72% | 1.06% | 1.45% | Beats 12% | 654 / 746 | | |
| Return on Equity | 3.00% | 6.74% | 10.51% | 13.63% | Beats 11% | 661 / 746 | | |
| Net Interest Margin | 4.34% | 3.17% | 3.68% | 4.16% | Beats 82% | 132 / 746 | | |
| Efficiency Ratio | 90.04% | 55.74% | 64.58% | 75.47% | Beats 8% | 687 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.89% | 0.09% | 0.42% | 1.07% | Beats 13% | 651 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 42% | 435 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.36% | 11.55% | 13.75% | 17.60% | Beats 35% | 484 / 746 | | |
| Total Risk-Based Capital Ratio | 12.36% | 11.71% | 14.33% | 18.43% | Beats 31% | 512 / 746 | | |
| Equity / Assets | 12.22% | 8.90% | 10.51% | 13.06% | Beats 70% | 227 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.68% | 61.31% | 78.27% | 90.78% | 36th pctl | 474 / 746 | | |
| Loans / Assets | 59.71% | 53.60% | 66.97% | 76.08% | 35th pctl | 488 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |