Bank Comparison
Harbor Bank of Maryland, the vs Citizens Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Harbor Bank of Maryland, the | Citizens Bank & Trust Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.47% | 13.26% |
| Equity / Assets | 12.35% | 12.10% |
Profitability
| Metric | Harbor Bank of Maryland, the | Citizens Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.60% | 1.22% |
| Return on Equity (ROE) | 4.84% | 9.92% |
| Net Interest Margin (NIM) | 4.66% | 3.15% |
| Yield on Earning Assets | 5.46% | 5.11% |
| Cost of Funds | 0.87% | 2.20% |
Asset quality
| Metric | Harbor Bank of Maryland, the | Citizens Bank & Trust Company |
|---|---|---|
| Texas Ratio | 14.97% | 2.89% |
| Non-Performing Loan Ratio | 3.42% | 0.68% |
| Non-Performing Asset Ratio | 1.95% | 0.37% |
| Net Charge-Off Ratio | -0.07% | 0.01% |
| ACL / Loans | 1.22% | 1.59% |
Balance sheet
| Metric | Harbor Bank of Maryland, the | Citizens Bank & Trust Company |
|---|---|---|
| Total Assets | $381,698K | $381,482K |
| Total Deposits | $329,077K | $332,664K |
| Total Loans | $218,053K | $204,471K |
| Total Equity | $47,127K | $46,154K |
| Net Income (quarter) | $570 | $1,143K |
Liquidity & funding
| Metric | Harbor Bank of Maryland, the | Citizens Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 66.26% | 61.46% |
| Core Deposit Ratio | 97.35% | 92.44% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Harbor Bank of Maryland, the | Citizens Bank & Trust Company |
|---|---|---|
| Headquarters City | BALTIMORE | CAMPBELLSVILLE |
| Headquarters State | MD | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 4 |
| Employees (FTE) | 78 | 43 |
| Established | Sept. 13, 1982, midnight | Jan. 1, 1939, 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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