The Harbor Bank of Maryland: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Yield on loans edged down 0.12 percentage points between Q1 2026 and Q2 2026, to 6.21%. The Harbor Bank of Maryland ranks 4th of 27 Maryland banks on net interest margin, in the upper half at 4.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Harbor Bank of Maryland sits 0.68 points higher, at 4.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.44% |
| Yield on loans | 6.21% |
| Yield on securities | 4.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 1.38% |
| Cost of interest-bearing liabilities | 1.41% |
| Cost of borrowings | 3.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.63% |
| Yield to cost spread | 4.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $730K |
| Interest expense on deposits | $701K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.26% | 0.95% | 4.39% | 6.30% | 3.02% |
| Q4 2023 | 5.00% | 0.94% | 4.12% | 5.85% | 3.06% |
| Q1 2024 | 5.18% | 0.91% | 4.35% | 6.09% | 2.77% |
| Q2 2024 | 5.21% | 0.95% | 4.34% | 6.01% | 2.79% |
| Q3 2024 | 5.58% | 0.88% | 4.78% | 6.34% | 2.99% |
| Q4 2024 | 5.25% | 1.00% | 4.35% | 5.99% | 3.59% |
| Q1 2025 | 5.14% | 1.03% | 4.21% | 5.84% | 3.91% |
| Q2 2025 | 5.27% | 1.02% | 4.34% | 5.90% | 4.11% |
| Q3 2025 | 5.40% | 1.01% | 4.47% | 6.06% | 4.36% |
| Q4 2025 | 5.72% | 0.96% | 4.83% | 6.73% | 4.35% |
| Q1 2026 | 5.46% | 0.87% | 4.66% | 6.33% | 4.25% |
| Q2 2026 | 5.44% | 0.89% | 4.63% | 6.21% | 4.23% |
The Harbor Bank of Maryland yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Harbor Bank of Maryland, freeSource: Call Report Schedules RI and RC-K, 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)