Harford Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 32.4% in Q2 2026, from $52.9M to $70.0M. It was the largest change from Q1 2026 among the key lines here. Harford Bank ranks 17th of 27 Maryland banks on loan-to-deposit ratio, in the lower half at 84.35% (Q2 2026). Harford Bank reported 84.35% on loan-to-deposit ratio for Q2 2026, 3.79 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $70.0M |
| Cash and noninterest-bearing balances to assets | 9.01% |
| Cash and securities | $173.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.35% |
| Net loans and leases to deposits | 83.31% |
| Loans and leases to core deposits | 93.63% |
| Core deposits to total deposits | 89.35% |
| Brokered deposits to total deposits | 0.74% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 90.67% | 93.38% | $0 | $43.0M |
| Q4 2023 | 91.64% | 92.27% | $0 | $48.0M |
| Q1 2024 | 89.27% | 90.68% | $0 | $42.2M |
| Q2 2024 | 86.42% | 89.96% | $0 | $34.8M |
| Q3 2024 | 80.76% | 90.21% | $0 | $17.0M |
| Q4 2024 | 77.65% | 89.71% | $0 | $0 |
| Q1 2025 | 75.48% | 89.48% | $0 | $0 |
| Q2 2025 | 75.72% | 90.16% | $0 | $0 |
| Q3 2025 | 76.02% | 89.85% | $0 | $0 |
| Q4 2025 | 83.24% | 90.36% | $0 | $0 |
| Q1 2026 | 85.59% | 89.91% | $0 | $0 |
| Q2 2026 | 84.35% | 89.35% | $0 | $0 |
Harford Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Harford Bank, freeSource: Call Report Schedules RC and RC-M, 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)