Baltimore, MD · Cert 24015 · Harbor Bankshares Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.3% share · #24 of 40 inst. · $0.3B of $106.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.07% | 0.44% | 0.06% | 0.08% | 0.31% | 0.60% | 0.14% | +8 bps | |
| Return on Equity | 2.58% | 0.60% | 3.67% | 0.52% | 0.67% | 2.55% | 4.84% | 1.12% | +61 bps | |
| Net Interest Margin | 4.52% | 4.12% | 3.99% | 4.11% | 4.22% | 4.54% | 4.38% | 4.36% | +25 bps | |
| Efficiency Ratio | 81.99% | 95.37% | 85.61% | 98.29% | 91.74% | 92.84% | 83.71% | 96.37% | -192 bps | |
| Non-Interest Burden | 3.51% | 3.91% | 3.24% | 4.03% | 3.81% | 4.17% | 3.57% | 4.18% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.64% | 0.75% | 5.62% | 8.87% | 11.14% | -0.55% | -1.02% | -0.74% | -962 bps | |
| Loan Growth (YoY) | 7.92% | 6.95% | -0.51% | -4.88% | -7.38% | -6.41% | -5.04% | 1.78% | +665 bps | |
| Deposit Growth (YoY) | -8.30% | -0.06% | 7.62% | 10.92% | 12.14% | -1.34% | -1.88% | -3.54% | -1,447 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.27% | 2.25% | 1.71% | 2.30% | 2.57% | 2.18% | 2.03% | 1.89% | -41 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.32% | 0.90% | 0.04% | 0.92% | 0.05% | -0.07% | 0.05% | +1 bps | |
| Allowance / Loans | 1.37% | 1.37% | 1.22% | 1.24% | 1.22% | 1.20% | 1.22% | 1.15% | -9 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.7x | 0.5x | 0.5x | 0.6x | 0.6x | 0.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.11% | 12.35% | 11.93% | 12.03% | 12.05% | 12.27% | 12.47% | 12.36% | +33 bps | |
| Total Risk-Based Capital | 13.11% | 12.35% | 11.93% | 12.03% | 12.05% | 12.27% | 12.47% | 12.36% | +33 bps | |
| Equity / Assets | 12.97% | 11.82% | 11.98% | 12.03% | 11.99% | 12.39% | 12.35% | 12.22% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.43% | 68.62% | 68.47% | 66.99% | 63.12% | 65.10% | 66.26% | 70.68% | +369 bps | |
| Liquid Assets / Assets | 9.08% | 8.80% | 6.49% | 7.20% | 11.95% | 6.82% | 7.70% | 5.30% | -189 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 300% | 303% | 304% | n/a | n/a | |