The Harbor Bank of Maryland: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 18.85 percentage points higher than in Q1 2026, at 18.85%. The Harbor Bank of Maryland has the 1st lowest loan-to-deposit ratio of the 27 banks headquartered in Maryland, at 70.68% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Harbor Bank of Maryland sits 10.27 points lower, at 70.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $135.0M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 0.43% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $7.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.68% |
| Net loans and leases to deposits | 69.87% |
| Loans and leases to core deposits | 72.27% |
| Core deposits to total deposits | 97.80% |
| Brokered deposits to total deposits | 18.85% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 64.94% | 92.64% | $0 | $0 |
| Q4 2023 | 64.12% | 92.71% | $0 | $0 |
| Q1 2024 | 74.06% | 92.65% | $0 | $5.0M |
| Q2 2024 | 78.11% | 93.72% | $0 | $4.0M |
| Q3 2024 | 76.43% | 94.76% | $0 | $0 |
| Q4 2024 | 68.62% | 95.07% | $0 | $0 |
| Q1 2025 | 68.47% | 95.18% | $0 | $0 |
| Q2 2025 | 66.99% | 95.87% | $0 | $0 |
| Q3 2025 | 63.12% | 96.24% | $0 | $0 |
| Q4 2025 | 65.10% | 96.65% | $0 | $0 |
| Q1 2026 | 66.26% | 97.35% | $0 | $0 |
| Q2 2026 | 70.68% | 97.80% | $0 | $7.0M |
The Harbor Bank of Maryland liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Harbor Bank of Maryland, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Harbor Bank of Maryland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24015) · FFIEC NIC profile (RSSD 533124)