Harford Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Harford Bank of Aberdeen, MD against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.20% | 1.25% | -0.05% | 44th below |
| ROAE Ahead of the peer average, behind the median peer. | 12.23% | 12.22% | +0.01% | 48th below |
| Net Interest Margin | 3.98% | 3.95% | +0.03% | 52nd above |
| Efficiency Ratio | 56.72% | 63.71% | -6.99% | 63rd above |
| PPNR / Avg Assets | 1.80% | — | — | 62nd above |
| Yield on Earning Assets | 5.45% | 5.67% | -0.22% | 42nd below |
| Cost of Funds | 1.62% | 1.87% | -0.25% | 61st above |
| Net Interest Spread | 3.35% | — | — | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.91% | 0.88% | +0.03% | 30th below |
| NPA / Total Assets | 0.68% | — | — | 31st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 48th below |
| ACL / Total Loans | 1.23% | — | — | 55th above |
| ACL / NPLs (Coverage) | 135.56% | — | — | 36th below |
| Texas Ratio | 6.50% | 5.96% | +0.54% | 28th below |
| Provision / NCO | 9425.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.05% | 17.18% | -4.13% | 28th below |
| Tier 1 Ratio | 13.05% | 17.21% | -4.16% | 28th below |
| Total Capital Ratio | 14.30% | — | — | 30th below |
| Leverage Ratio | 9.95% | 11.75% | -1.80% | 30th below |
| Equity / Assets | 9.61% | 10.98% | -1.37% | 37th below |
| TCE / Tangible Assets | 9.61% | — | — | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.35% | 80.44% | +3.91% | 42nd below |
| Core Deposit Ratio | 89.35% | 86.95% | +2.40% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.62% | — | — | 66th above |
| Loan Growth (Y/Y) | 17.68% | — | — | 90th top |
| Deposit Growth (Y/Y) | 5.65% | — | — | 61st above |
See Harford Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Harford Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Harford Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Harford Bank peer analysis.