Banks HARFORD BANK

HARFORD BANK

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

HARFORD BANK is an 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%. CET1 capital ratio: 13.47%, well above regulatory minimums. NPL ratio: 1.03% · Texas Ratio: 7.18%.

Assets
$728M
Deposits
$652M
Loans
$543M
Equity
$71M

Profitability

Return on Assets (ROA)1.07%
Return on Equity (ROE)11.10%
Net Interest Margin3.98%
Yield on Assets5.60%
Cost of Funds1.67%

Asset Quality

NPL Ratio1.03%
Net Charge-Off Ratio0.00%
Texas Ratio7.18%
NPA Ratio0.77%
ACL / Loans1.23%

Capital & Liquidity

CET1 Ratio13.47%
Tier 1 Capital13.47%
Total Capital Ratio14.72%
Leverage Ratio9.75%
Loan-to-Deposit83.24%

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