BanksHARBOR BANK OF MARYLAND, THE

HARBOR BANK OF MARYLAND, THE

BALTIMORE, MDSmallEst. Sept. 13, 1982, midnightFDIC #24015RSSD #533124FDIC
Latest · 2025-12-31

HARBOR BANK OF MARYLAND, THE is an 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%. CET1 capital ratio: 12.39%, well above regulatory minimums. NPL ratio: 2.18% · Texas Ratio: 9.38%. Operates 7 domestic branches.

Assets
$380M
Deposits
$328M
Loans
$214M
Equity
$47M

Profitability

Return on Assets (ROA)0.31%
Return on Equity (ROE)2.55%
Net Interest Margin4.89%
Yield on Assets5.80%
Cost of Funds0.96%

Asset Quality

NPL Ratio2.18%
Net Charge-Off Ratio0.49%
Texas Ratio9.38%
NPA Ratio1.23%
ACL / Loans1.20%

Capital & Liquidity

CET1 Ratio12.39%
Tier 1 Capital12.39%
Total Capital Ratio13.01%
Leverage Ratio12.27%
Loan-to-Deposit65.10%

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