The Harbor Bank of Maryland: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 11.69 percentage points in Q2 2026, from 209.07% to 220.76%. It was the largest change from Q1 2026 among the key lines here. 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 80.84% on loan-to-deposit ratio. The Harbor Bank of Maryland sits 10.16 points lower, at 70.68% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $228.8M |
| Net loans and leases | $226.2M |
| Loans held for sale | $0 |
| Loans to total assets | 59.71% |
| Loan-to-deposit ratio | 70.68% |
| Net loans to equity capital | 4.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.52% |
| Multifamily (5+ residential) | 10.20% |
| Commercial and industrial | 11.42% |
| Consumer | 0.45% |
| Credit cards | 0.16% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 220.76% |
| Construction concentration (Tier 1 capital + allowance) | 11.28% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.21% |
| Interest income on loans | $3.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $213.4M | $328.6M | 52.63% | 11.97% | 4.22% |
| Q4 2023 | $213.4M | $332.8M | 53.81% | 11.11% | 3.73% |
| Q1 2024 | $230.8M | $311.6M | 51.25% | 10.43% | 2.99% |
| Q2 2024 | $236.4M | $302.6M | 51.53% | 12.17% | 2.48% |
| Q3 2024 | $230.3M | $301.3M | 54.51% | 9.33% | 2.10% |
| Q4 2024 | $228.3M | $332.6M | 54.96% | 9.22% | 1.70% |
| Q1 2025 | $229.6M | $335.4M | 54.46% | 11.20% | 1.25% |
| Q2 2025 | $224.8M | $335.7M | 56.49% | 9.53% | 0.99% |
| Q3 2025 | $213.3M | $337.9M | 56.14% | 8.75% | 0.78% |
| Q4 2025 | $213.6M | $328.2M | 57.20% | 8.67% | 0.59% |
| Q1 2026 | $218.1M | $329.1M | 57.09% | 8.89% | 0.62% |
| Q2 2026 | $228.8M | $323.8M | 52.52% | 11.42% | 0.45% |
The Harbor Bank of Maryland loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Harbor Bank of Maryland, freeSource: Call Report Schedule RC-C, 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)