HARBOR BANK OF MARYLAND, THE
HARBOR BANK OF MARYLAND, THE is an FDIC-insured commercial bank headquartered in BALTIMORE, MD, established in 1982. As of , 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 4.86%. CET1 capital ratio: 12.39%, well above regulatory minimums. NPL ratio: 4.06% · Texas Ratio: 17.46%. Operates 7 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Harbor Bank of Maryland, the rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.39% | 0.31% | 4.06% | 17.46% | 4.86% |
| 2025-09-30 | 11.99% | 0.08% | 4.49% | 19.40% | 4.53% |
| 2025-06-30 | 12.03% | 0.06% | 4.17% | 19.06% | 4.30% |
| 2025-03-31 | 11.98% | 0.44% | 2.69% | 12.62% | 4.20% |
| 2024-12-31 | 11.82% | 0.07% | 3.57% | 16.84% | 4.44% |
| 2024-09-30 | 12.97% | 0.33% | 3.92% | 18.54% | 4.73% |
| 2024-06-30 | 12.65% | 0.16% | 3.58% | 17.79% | 4.36% |
| 2024-03-31 | 12.16% | 2.23% | 3.68% | 18.00% | 4.35% |
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Frequently asked about HARBOR BANK OF MARYLAND, THE
What are Harbor Bank of Maryland, the's total assets?
As of the Q4 2025 filing, Harbor Bank of Maryland, the reported total assets of $380.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Harbor Bank of Maryland, the headquartered?
Harbor Bank of Maryland, the is headquartered in BALTIMORE, MD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Harbor Bank of Maryland, the founded?
Harbor Bank of Maryland, the was established in 1982, per the FDIC institution directory.
Is Harbor Bank of Maryland, the FDIC-insured?
Yes. Harbor Bank of Maryland, the is an FDIC-insured commercial bank (FDIC Certificate #24015). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Harbor Bank of Maryland, the?
Harbor Bank of Maryland, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Harbor Bank of Maryland, the's CET1 capital ratio?
Harbor Bank of Maryland, the reported a Common Equity Tier 1 (CET1) capital ratio of 12.39% in its most recent quarterly filing — above regulatory minimums.
How many branches does Harbor Bank of Maryland, the operate?
Harbor Bank of Maryland, the operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Harbor Bank of Maryland, the's Texas Ratio?
Harbor Bank of Maryland, the's Texas Ratio is 17.46% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.