Harford Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 13.06 percentage points higher than in Q1 2026, at 235.36%. Within Maryland, Harford Bank is 17th of 27 on loan-to-deposit ratio, 84.35% as of 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $584.1M |
| Net loans and leases | $576.9M |
| Loans held for sale | $0 |
| Loans to total assets | 75.21% |
| Loan-to-deposit ratio | 84.35% |
| Net loans to equity capital | 7.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.81% |
| Multifamily (5+ residential) | 3.03% |
| Commercial and industrial | 8.72% |
| Consumer | 4.19% |
| Credit cards | 0.00% |
| Farm | 1.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 235.36% |
| Construction concentration (Tier 1 capital + allowance) | 41.80% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.00% |
| Interest income on loans | $8.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $499.2M | $550.6M | 47.64% | 7.98% | 6.59% |
| Q4 2023 | $508.0M | $554.3M | 46.67% | 8.82% | 6.52% |
| Q1 2024 | $509.9M | $571.1M | 46.09% | 9.59% | 6.30% |
| Q2 2024 | $517.8M | $599.1M | 46.01% | 9.69% | 5.89% |
| Q3 2024 | $506.2M | $626.8M | 45.98% | 9.58% | 6.07% |
| Q4 2024 | $499.5M | $643.4M | 46.62% | 10.18% | 5.85% |
| Q1 2025 | $489.8M | $649.0M | 47.18% | 10.54% | 5.73% |
| Q2 2025 | $496.4M | $655.5M | 47.25% | 10.38% | 5.46% |
| Q3 2025 | $502.2M | $660.7M | 46.99% | 10.08% | 5.29% |
| Q4 2025 | $543.0M | $652.3M | 48.35% | 9.21% | 4.74% |
| Q1 2026 | $559.9M | $654.2M | 48.53% | 9.11% | 4.53% |
| Q2 2026 | $584.1M | $692.5M | 49.81% | 8.72% | 4.19% |
Harford Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Harford Bank, freeSource: Call Report Schedule RC-C, 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)