Harbor Bank of Maryland, the
Asset quality shifted last quarter — NPLs fell to 3.42% from 4.06% in the prior period. Harbor Bank of Maryland, the is the primary bank subsidiary of its parent holding company, headquartered in Baltimore, MD, in the Baltimore metropolitan region. Harbor Bank of Maryland, the's Q1 2026 balance sheet shows $382M in assets funded primarily by $329M in customer deposits. Returns are subdued: 0.60% ROA and 4.84% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.47% exceeds the 9% CBLR threshold. Credit metrics show stress — 3.42% NPLs and a 14.97% Texas Ratio above the 100% historical failure threshold. It operates 7 branches, primarily in Maryland.
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
- Fed District
- 2
- Established
- September 13, 1982
- Branches
- 7 domestic
- Employees (FTE)
- 78
- FDIC Cert
- 24015
- Fed RSSD
- 533124
- Parent Holding Company
- HARBOR BANKSHARES CORPORATION (RSSD 2008130)
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Harbor Bank of Maryland, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Harbor Bank of Maryland, the
What are Harbor Bank of Maryland, the's total assets?
As of the Q1 2026 filing, Harbor Bank of Maryland, the reported total assets of $381.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Harbor Bank of Maryland, the headquartered?
Harbor Bank of Maryland, the is headquartered in BALTIMORE, MD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Harbor Bank of Maryland, the founded?
Harbor Bank of Maryland, the was established in 1982, per the FDIC institution directory.
Is Harbor Bank of Maryland, the FDIC-insured?
Yes. Harbor Bank of Maryland, the 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 Harbor Bank of Maryland, the?
Harbor Bank of Maryland, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Harbor Bank of Maryland, the operate?
Harbor Bank of Maryland, the operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Harbor Bank of Maryland, the's Texas Ratio?
Harbor Bank of Maryland, the's Texas Ratio is 14.97% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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