Harford Bank Routing Number (ABA): 055001070

Harford Bank at a glance

Its CET1 capital ratio was 13.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.

Total assets, Q2 2026

$776.6M

CET1 ratio, Q2 2026

13.05%

Deposit insurance

FDIC

Regulator

FDIC

Domestic offices

9 FDIC institution directory, current count

Latest call report

Q2 2026, FFIEC 041

Established

1964

Full financial profile · Is Harford Bank safe? · Harford Bank call report · Branch locations

What the digits mean

The first two digits, 05, place this number in the Federal Reserve Bank of Richmond's district (District 5). Digits five through eight, 0107, identify the institution within that district. The last digit, 0, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.

Before you send money to Harford Bank

A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.

Match this number against the one on your Harford Bank checks or in its online banking. Ask the bank for wire instructions (www.harfordbank.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.

About Harford Bank

Harford Bank is headquartered in Aberdeen, Maryland and was established in 1964. It is in the BALTIMORE-COLUMBIA-TOWSON, MD metro area. It reported $776.6M in total assets and $692.5M in deposits for Q2 2026, the 14th largest of the 27 banks headquartered in Maryland. It reports 9 domestic offices. Its deposits have been FDIC insured since 1964. Its primary federal regulator is the FDIC.

What the digits in 055001070 mean

The first four digits, 0550, are the Federal Reserve routing symbol. The prefix 05 places the number in the 5th Federal Reserve District (Richmond). That is also the district where the bank is headquartered. Digits five through eight, 0107, identify the institution within its Federal Reserve district. The last digit, 0, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 0 + 7 x 12 + 6 = 90, a multiple of 10, so 055001070 is a well-formed routing number. A mistyped digit almost always breaks that sum.

What is the Harford Bank routing number?

The Harford Bank routing number is 055001070. It is the primary ABA routing transit number registered to Harford Bank, headquartered in Aberdeen, MD. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.

What is the Harford Bank wire routing number?

This page lists the primary routing number registered to Harford Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Harford Bank before sending a wire.

Is ABA number 055001070 the routing number for Harford Bank?

Yes. It is the primary routing number registered to Harford Bank.

Which bank uses routing number 055001070?

It belongs to Harford Bank, headquartered in Aberdeen, MD. It is the bank's primary ABA routing number (FDIC certificate 19101).

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