The Harbor Bank of Maryland: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Harbor Bank of Maryland of Baltimore, MD against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.14% | 1.34% | -1.20% | 6th bottom |
| ROAE | 1.12% | 13.32% | -12.20% | 6th bottom |
| Net Interest Margin | 4.63% | 3.93% | +0.70% | 84th top |
| Efficiency Ratio | 96.37% | 61.13% | +35.24% | 4th bottom |
| PPNR / Avg Assets | 0.18% | 1.68% | -1.50% | 4th bottom |
| Yield on Earning Assets | 5.44% | 5.67% | -0.23% | 42nd below |
| Cost of Funds | 0.89% | 1.88% | -0.99% | 94th top |
| Net Interest Spread | 4.03% | 3.32% | +0.71% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.18% | 0.94% | +2.24% | 6th bottom |
| NPA / Total Assets | 1.90% | 0.70% | +1.20% | 8th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 25th below |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| ACL / NPLs (Coverage) | 36.13% | 1539.28% | -1503.15% | 5th bottom |
| Texas Ratio | 14.73% | 7.33% | +7.40% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.36% | 12.14% | +0.22% | 68th above |
| Equity / Assets | 12.22% | 11.37% | +0.85% | 73rd above |
| TCE / Tangible Assets | 12.22% | 11.09% | +1.13% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.68% | 80.64% | -9.96% | 69th above |
| Core Deposit Ratio | 97.80% | 86.86% | +10.94% | 95th top |
| Wholesale Funding Ratio | 1.83% | 5.03% | -3.20% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.74% | 6.85% | -7.59% | 15th bottom |
| Loan Growth (Y/Y) | 1.78% | 7.91% | -6.13% | 30th below |
| Deposit Growth (Y/Y) | -3.54% | 6.29% | -9.83% | 9th bottom |
See The Harbor Bank of Maryland's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Harbor Bank of Maryland, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Harbor Bank of Maryland profile, how to read a UBPR, or how this data updates.