Harford Bank
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Data as of · sourced from FFIEC call reports. How we update
Harford Bank is an FDIC-insured commercial bank headquartered in Aberdeen, MD, established in 1964 (FDIC certificate 19101), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $776.6M, up 6.6% from Q2 2025, the 14th largest of 27 banks headquartered in Maryland. Its CET1 capital ratio was 13.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19101
- Headquarters
- Aberdeen, MD
- Established
- 1964
- Total assets, Q2 2026
- $776.6M
- Assets vs Q2 2025
- +6.6%
- CET1 ratio, Q2 2026
- 13.05%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 055001070
- Latest call report
- Q2 2026, FFIEC 041 · Harford Bank call report
- Asset rank in state
- 14th of 27 in Maryland
Harford Bank, based in Aberdeen, Maryland, reported $777 million in assets at June 30, 2026, up 6.6% from a year earlier. It grew its loan book 17.7% over the year, about triple the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
Loans are outrunning deposits: over the year loans rose 17.7% and deposits rose 5.6%. Its $141 million non-owner-occupied commercial real estate book is now fully current, after 3.16% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, Harford Bank reported a CET1 capital ratio of 13.05%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.91% and a Texas ratio of 6.50%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Harford Bank is the 14th largest of the 27 banks headquartered in Maryland. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.1% to $776.6M, loans rose 4.3% and deposits rose 5.9%. Owner-occupied commercial real estate loans made up 25.7% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 25.6%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities in MD; its Bel Air 2 offices book 32% of its branch deposits. By the capital ratios in its Q2 2026 call report, Harford Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8 W Bel Air Ave, Aberdeen, MD 21001
- County
- Harford
- Metro Area
- Baltimore-Columbia-Towson, MD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 1, 1964
- Former names
- Harford National Bank (1980-2001); Aberdeen National Bank (1972-1980)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 93
- Domestic deposits
- $692.5M
- Allowance for credit losses
- $7.2M
- Net charge-offs (YTD)
- $18K
- Average total assets
- $751.3M
- Average total loans
- $579.0M
- Average interest-bearing deposits
- $506.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 1, 1964
- FDIC Cert
- 19101
- Fed RSSD
- 660927
- Website
- www.harfordbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Harford Bank's total assets moved between a low of $653.9M (Q3 2023) and a high of $776.6M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$776.6M total assets against $728.4M; $702.0M total liabilities against $660.5M.
$576.9M net loans and leases against $490.4M; $692.5M total deposits against $655.5M.
$103.7M securities against $100.7M; $70.0M cash and balances due against $115.8M.
$9.9M total interest income against $9.0M; $2.7M total interest expense against $3.0M.
$7.3M net interest income against $6.0M.
$564K total noninterest income against $541K; $4.5M total noninterest expense against $4.2M.
$377K provision for credit losses against $191K.
$2.3M net income against $1.7M.
1.20% return on assets against 0.95%; 3.98% net interest margin against 3.44%.
13.05% CET1 capital ratio against 14.00%; 9.95% tier 1 leverage ratio against 9.42%.
Inside the full Harford Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Harford Bank rankings
Its closest position to the top of a national ranking is 1,044 of 3,640, for Texas Ratio; its furthest is 1,381 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.86% (Q1 2025) to 1.28% (Q4 2024) and its net interest margin ran from 3.31% (Q1 2025) to 3.98% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.05% | 1.20% | 0.91% | 6.50% | 3.98% |
| Q1 2026 | 13.34% | 0.99% | 0.97% | 6.85% | 3.78% |
| Q4 2025 | 13.47% | 1.07% | 1.12% | 7.83% | 3.78% |
| Q3 2025 | 14.15% | 1.03% | 1.15% | 7.65% | 3.59% |
| Q2 2025 | 14.00% | 0.95% | 1.21% | 8.16% | 3.44% |
| Q1 2025 | 13.82% | 0.86% | 1.37% | 9.32% | 3.31% |
| Q4 2024 | 13.34% | 1.28% | 1.33% | 9.36% | 3.52% |
| Q3 2024 | 12.79% | 0.98% | 1.19% | 8.76% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Harford Bank (main office) | Aberdeen , MD | 21001 | $171.9M |
| Bel Air Branch | Bel Air , MD | 21014 | $161.6M |
| Havre De Grace Branch | Havre De Grace , MD | 21078 | $85.1M |
| Joppatowne Branch | Joppatowne , MD | 21085 | $80.1M |
| Hickory Branch | Bel Air , MD | 21014 | $61.0M |
| Box Hill Branch | Abingdon , MD | 21009 | $40.2M |
| Elkton Branch | Elkton , MD | 21921 | $36.2M |
| Jarrettsville Branch Office | Jarrettsville , MD | 21084 | $35.0M |
| Southfield Branch | Elkton , MD | 21921 | $21.4M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| March 21, 1992 | M&A | Acquired Augusta Federal Savings Association failure_government_assistance_provided for the acquired bank | SEC |
| March 21, 1992 | Structure Change | Acquired Augusta Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 7, 1986 | M&A | Acquired Enterprise Building and Loan Association merger for the acquired bank | SEC |
| May 7, 1986 | Structure Change | Acquired Enterprise Building and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MD, rank 27 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $418K approved, $209K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Harford Bank
What are Harford Bank's total assets?
As of the Q2 2026 filing, Harford Bank reported total assets of $776.6 million in its FFIEC call report.
Where is Harford Bank headquartered?
It is headquartered in Aberdeen, MD, United States.
When was Harford Bank founded?
It was established in 1964, per the FDIC institution directory.
Is Harford Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19101). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Harford Bank?
Harford Bank's primary federal regulator is the FDIC.
What is Harford Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Harford Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Harford Bank's Texas Ratio?
Its Texas Ratio is 6.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Harford Bank previously called?
The charter now named Harford Bank has also operated as Harford National Bank (1980-2001), Aberdeen National Bank (1972-1980), per FDIC structure-change records.
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