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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.70% | 0.44% | 0.25% | 0.19% | 0.22% | 0.60% | 0.37% | +12 bps | |
| Return on Equity | 7.58% | 5.81% | 3.67% | 2.09% | 1.61% | 1.85% | 4.84% | 2.99% | +90 bps | |
| Net Interest Margin | 4.37% | 4.12% | 3.99% | 4.06% | 4.11% | 4.26% | 4.38% | 4.34% | +28 bps | |
| Efficiency Ratio | 76.29% | 80.31% | 85.61% | 91.52% | 91.60% | 91.91% | 83.71% | 90.04% | -149 bps | |
| Non-Interest Burden | 2.94% | 3.05% | 3.24% | 3.65% | 3.70% | 3.85% | 3.57% | 3.85% | +21 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% | 0.15% | 0.90% | 0.48% | 0.64% | 0.49% | -0.07% | -0.01% | -49 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 | |