Bank Comparison
Harbor Bank of Maryland, the vs Bank of Glen Burnie, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Harbor Bank of Maryland, the | Bank of Glen Burnie, the |
|---|---|---|
| CET1 Ratio | — | 13.16% |
| Tier 1 Capital Ratio | — | 13.16% |
| Total Capital Ratio | — | 14.25% |
| Tier 1 Leverage Ratio | 12.47% | 9.18% |
| Equity / Assets | 12.35% | 5.49% |
Profitability
| Metric | Harbor Bank of Maryland, the | Bank of Glen Burnie, the |
|---|---|---|
| Return on Assets (ROA) | 0.60% | 0.12% |
| Return on Equity (ROE) | 4.84% | 2.18% |
| Net Interest Margin (NIM) | 4.66% | 3.28% |
| Yield on Earning Assets | 5.46% | 4.68% |
| Cost of Funds | 0.87% | 1.50% |
Asset quality
| Metric | Harbor Bank of Maryland, the | Bank of Glen Burnie, the |
|---|---|---|
| Texas Ratio | 14.97% | 2.83% |
| Non-Performing Loan Ratio | 3.42% | 0.27% |
| Non-Performing Asset Ratio | 1.95% | 0.17% |
| Net Charge-Off Ratio | -0.07% | 0.09% |
| ACL / Loans | 1.22% | 1.15% |
Balance sheet
| Metric | Harbor Bank of Maryland, the | Bank of Glen Burnie, the |
|---|---|---|
| Total Assets | $381,698K | $380,395K |
| Total Deposits | $329,077K | $357,545K |
| Total Loans | $218,053K | $242,568K |
| Total Equity | $47,127K | $20,895K |
| Net Income (quarter) | $570 | $115 |
Liquidity & funding
| Metric | Harbor Bank of Maryland, the | Bank of Glen Burnie, the |
|---|---|---|
| Loan-to-Deposit Ratio | 66.26% | 67.84% |
| Core Deposit Ratio | 97.35% | 99.55% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Harbor Bank of Maryland, the | Bank of Glen Burnie, the |
|---|---|---|
| Headquarters City | BALTIMORE | GLEN BURNIE |
| Headquarters State | MD | MD |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 6 |
| Employees (FTE) | 78 | 66 |
| Established | Sept. 13, 1982, midnight | Aug. 17, 1949, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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