HARFORD BANK

ABERDEEN, MD | Medium | Est. May 1, 1964, midnight | FDIC #19101 | RSSD #660927 | FDIC
Latest Report: 2025-12-31

HARFORD BANK is amn medium FDIC-insured commercial bank headquartered in ABERDEEN, MD, established in May 1, 1964, midnight. As of 2025-12-31, the bank reported total assets of $728M and total deposits of $652M. Profitability stands at 1.07% ROA and 11.10% ROE, with a net interest margin of 3.98%. The bank's CET1 capital ratio is 13.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.03% and a Texas Ratio of 7.18%. FDIC Certificate #19101.

Assets

$728M

Deposits

$652M

Loans

$543M

Equity

$71M

Profitability

Return on Assets (ROA) 1.07%
Return on Equity (ROE) 11.10%
Net Interest Margin (NIM) 3.98%
Yield on Assets 5.60%
Cost of Funds 1.67%

Asset Quality

NPL Ratio 1.03%
Net Charge-Off Ratio 0.00%
Texas Ratio 7.18%
NPA Ratio 0.77%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 13.47%
Tier 1 Capital 13.47%
Total Capital Ratio 14.72%
Leverage Ratio 9.75%
Loan-to-Deposit 83.24%

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