HARBOR BANK OF MARYLAND, THE

BALTIMORE, MD | Small | Est. Sept. 13, 1982, midnight | FDIC #24015 | RSSD #533124 | FDIC
Latest Report: 2025-12-31

HARBOR BANK OF MARYLAND, THE is asn small FDIC-insured commercial bank headquartered in BALTIMORE, MD, established in Sept. 13, 1982, midnight. As of 2025-12-31, the bank reported total assets of $380M and total deposits of $328M. Profitability stands at 0.31% ROA and 2.55% ROE, with a net interest margin of 4.89%. The bank's CET1 capital ratio is 12.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.18% and a Texas Ratio of 9.38%. FDIC Certificate #24015.

Assets

$380M

Deposits

$328M

Loans

$214M

Equity

$47M

Profitability

Return on Assets (ROA) 0.31%
Return on Equity (ROE) 2.55%
Net Interest Margin (NIM) 4.89%
Yield on Assets 5.80%
Cost of Funds 0.96%

Asset Quality

NPL Ratio 2.18%
Net Charge-Off Ratio 0.49%
Texas Ratio 9.38%
NPA Ratio 1.23%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 12.39%
Tier 1 Capital 12.39%
Total Capital Ratio 13.01%
Leverage Ratio 12.27%
Loan-to-Deposit 65.10%

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