Harford Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Risk-weighted assets rose 5.0% in Q2 2026 to $572.5M, the biggest move on this page. Harford Bank ranks 13th of 20 Maryland banks on CET1 ratio, in the lower half at 13.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Harford Bank sits 2.03 points lower, at 13.05% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.05% |
| Tier 1 risk-based capital ratio | 13.05% |
| Total risk-based capital ratio | 14.30% |
| Tier 1 leverage ratio | 9.95% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $74.7M |
| Tier 1 capital | $74.7M |
| Total risk-based capital | $81.9M |
| Total equity capital | $74.6M |
| Risk-weighted assets | $572.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.61% |
| Tangible equity to tangible assets | 9.61% |
| Equity capital to average assets | 9.93% |
| Internal capital growth rate | 10.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $15.1M |
| Common stock surplus | $18.7M |
| Retained earnings | $40.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$116K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.62% | 11.62% | 12.83% | 8.87% | $491.6M |
| Q4 2023 | 11.86% | 11.86% | 13.11% | 8.96% | $497.4M |
| Q1 2024 | 12.11% | 12.11% | 13.35% | 8.92% | $498.0M |
| Q2 2024 | 12.15% | 12.15% | 13.40% | 8.88% | $505.8M |
| Q3 2024 | 12.79% | 12.79% | 14.04% | 8.93% | $492.9M |
| Q4 2024 | 13.34% | 13.34% | 14.59% | 9.10% | $487.3M |
| Q1 2025 | 13.82% | 13.82% | 15.07% | 9.31% | $480.0M |
| Q2 2025 | 14.00% | 14.00% | 15.25% | 9.42% | $485.3M |
| Q3 2025 | 14.15% | 14.15% | 15.40% | 9.58% | $491.3M |
| Q4 2025 | 13.47% | 13.47% | 14.72% | 9.75% | $528.6M |
| Q1 2026 | 13.34% | 13.34% | 14.59% | 9.97% | $545.3M |
| Q2 2026 | 13.05% | 13.05% | 14.30% | 9.95% | $572.5M |
Harford Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Harford Bank, freeSource: Call Report Schedule RC-R, 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 Harford Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19101) · FFIEC NIC profile (RSSD 660927)