The Harbor Bank of Maryland
BankRegReports is independent of The Harbor Bank of Maryland and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Harbor Bank of Maryland is an FDIC-insured commercial bank headquartered in Baltimore, MD, established in 1982 (FDIC certificate 24015), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $383.2M, down 0.7% from Q2 2025, the 21st largest of 27 banks headquartered in Maryland. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.36% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 24015
- Headquarters
- Baltimore, MD
- Established
- 1982
- Total assets, Q2 2026
- $383.2M
- Assets vs Q2 2025
- -0.7%
- Tier 1 leverage ratio, Q2 2026
- 12.36%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 052001772
- Latest call report
- Q2 2026, FFIEC 051 · The Harbor Bank of Maryland call report
- Holding company
- HARBOR BANKSHARES CORPORATION
- Asset rank in state
- 21st of 27 in Maryland
The Harbor Bank of Maryland spends more to run itself than most banks of its size. Based in Baltimore, Maryland, it had $383 million in assets at June 30, 2026. It earns about $0.14 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 96 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $132,000, 120% above the same quarter a year earlier. Its $23 million multifamily book is improving, with 0.92% past due or on nonaccrual, down from 7.34% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, The Harbor Bank of Maryland reported a return on assets of 0.14%, a nonperforming-loan ratio of 1.89% and a Texas ratio of 8.62%. The figures come from its call report filed with the FFIEC.
The Harbor Bank of Maryland ranks as the 21st largest of the 27 banks based in Maryland, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $383.2M, loans rose 4.9% and deposits fell 1.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 34.4% of total loans, ahead of 1-4 family residential loans at 22.9%. Its 7 offices in the FDIC Summary of Deposits are in Baltimore, MD, Silver Spring, MD and Randallstown, MD; its Baltimore 5 offices book 74% of its branch deposits. On its Q2 2026 call report, The Harbor Bank of Maryland meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 25 W Fayette St, Baltimore, MD 21201
- County
- Baltimore City
- Metro Area
- Baltimore-Columbia-Towson, MD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 13, 1982
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 74
- Domestic deposits
- $323.8M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $385.2M
- Average total loans
- $224.1M
- Average interest-bearing deposits
- $202.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 13, 1982
- FDIC Cert
- 24015
- Fed RSSD
- 533124
- SEC CIK
- 889608 → filed by HARBOR BANKSHARES CORPORATION
- Website
- HTTPS://WWW.THEHARBORBANK.COM →
- Parent Holding Company
- HARBOR BANKSHARES CORPORATION (RSSD 2008130)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Harbor Bank of Maryland reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Harbor Bank of Maryland's total assets ranged from $351.0M (Q3 2024) to $390.1M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$383.2M total assets against $386.1M; $336.4M total liabilities against $339.6M.
$226.2M net loans and leases against $222.1M; $323.8M total deposits against $335.7M.
$109.7M securities against $104.7M; $25.3M cash and balances due against $39.0M.
$4.9M total interest income against $4.8M; $730K total interest expense against $850K.
$4.2M net interest income against $4.0M.
$541K total noninterest income against $468K; $4.6M total noninterest expense against $4.4M.
$0 provision for credit losses against $0.
$132K net income against $60K.
0.14% return on assets against 0.06%; 4.63% net interest margin against 4.34%.
12.36% tier 1 leverage ratio against 12.03%.
Inside the full The Harbor Bank of Maryland terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Harbor Bank of Maryland rankings
Its closest position to the top of a national ranking is 761 of 3,640, for Texas Ratio; its furthest is 3,535 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.06% (Q2 2025) to 0.60% (Q1 2026) and its net interest margin ran from 4.21% (Q1 2025) to 4.83% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.36% | 0.14% | 1.89% | 8.62% | 4.63% |
| Q1 2026 | 12.47% | 0.60% | 2.03% | 8.78% | 4.66% |
| Q4 2025 | 12.27% | 0.31% | 2.18% | 9.29% | 4.83% |
| Q3 2025 | 12.05% | 0.08% | 2.57% | 11.04% | 4.47% |
| Q2 2025 | 12.03% | 0.06% | 2.30% | 10.16% | 4.34% |
| Q1 2025 | 11.93% | 0.43% | 1.71% | 7.67% | 4.21% |
| Q4 2024 | 12.35% | 0.07% | 2.25% | 10.46% | 4.35% |
| Q3 2024 | 13.11% | 0.33% | 2.27% | 10.54% | 4.78% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Harbor Bank of Maryland | Baltimore , MD | 21201 | $181.9M |
| Silver Spring Branch | Silver Spring , MD | 20910 | $50.6M |
| Liberty Plaza Branch | Randallstown , MD | 21133 | $33.2M |
| Inner Harbor East Branch | Baltimore , MD | 21202 | $20.3M |
| Science & Technology Park East at Johns Hopkins Branch | Baltimore , MD | 21205 | $12.9M |
| Park Heights Branch | Baltimore , MD | 21215 | $12.5M |
| Northwood Branch | Baltimore , MD | 21218 | $12.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 17, 1994 | Structure Change | Acquired Second National Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 11, 1994 | Structure Change | Acquired John Hanson Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- July 22, 2010, Federal Reserve: Written Agreement: Harbor Bankshares Corporation, Baltimore, Maryland
- Period: Most recent institution action July 22, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MD, rank 38 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $216K approved, $216K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Harbor Bank of Maryland’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The Harbor Bank of Maryland
What are The Harbor Bank of Maryland's total assets?
As of the Q2 2026 filing, The Harbor Bank of Maryland reported total assets of $383.2 million in its FFIEC call report.
Where is The Harbor Bank of Maryland headquartered?
It is headquartered in Baltimore, MD, United States.
When was The Harbor Bank of Maryland founded?
It was established in 1982, per the FDIC institution directory.
Is The Harbor Bank of Maryland FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24015). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Harbor Bank of Maryland?
The Harbor Bank of Maryland's primary federal regulator is the FDIC.
How many branches does The Harbor Bank of Maryland operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Harbor Bank of Maryland's Texas Ratio?
Its Texas Ratio is 8.62% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on The Harbor Bank of Maryland.
Get an email when The Harbor Bank of Maryland files its next call report, and benchmark it against any peer you choose.
Unlock The Harbor Bank of Maryland, freeFree account