BlastPoint's Banking Scorecard

Harford Bank

$100M-$1B Specialty: Commercial MD FDIC cert 19101

Aberdeen, MD

9 branches across MD

2664 banks in the $100M-$1B peer group nationally 17 in MD

Harford Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 2.90% below tier average

Key Concerns

Areas that may need attention

- ROA 0.28% below tier average
- Net Interest Margin 0.13% below tier average
- Delinquency Rate 0.10% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$732.3M +1.6% YoY +0.5% QoQ	+$346.2M	$386.1M +0.5% YoY	$1.8B +4.9% YoY	$6.2B +9.1% YoY	Top 10.9% in tier
Total Loans ?	$553.0M +14.2% YoY +3.1% QoQ	+$297.3M	$255.7M +1.1% YoY	$1.3B +7.3% YoY	$3.2B +10.8% YoY	Top 8.0% in tier
Total Deposits ?	$654.2M +0.8% YoY +0.3% QoQ	+$326.2M	$328.0M +0.1% YoY	$1.6B +7.4% YoY	$4.8B +8.2% YoY	Top 9.4% in tier
Return on Assets ?	0.99% +16.4% YoY +1.6% QoQ	-0.28%	1.27% +12.9% YoY	0.90% +4.7% YoY	1.23% +13.4% YoY	37%
Net Interest Margin ?	3.80% +14.9% YoY +7.2% QoQ	-0.13%	3.93% +6.0% YoY	3.69% +5.2% YoY	3.89% +5.7% YoY	46%
Efficiency Ratio ?	62.38% -4.9% YoY +0.7% QoQ	-2.90%	65.29% -4.5% YoY	68.69% -3.5% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	0.99% -28.9% YoY -13.2% QoQ	+0.10%	0.89% +18.8% YoY	1.00% +1.9% YoY	0.95% +18.8% YoY	28%
Loan-to-Deposit Ratio ?	84.53% +13.3% YoY +2.8% QoQ	+7.89%	76.64% +0.8% YoY	87.36% +2.8% YoY	76.70% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	23.41% +0.4% YoY +2.4% QoQ	+1.39%	22.02% -1.0% YoY	20.21% -0.6% YoY	22.01% -1.2% YoY	60%
Nonperforming Asset Ratio ?	0.75% -20.1% YoY -11.0% QoQ	+0.11%	0.64% +19.7% YoY	0.86% +7.2% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	13.34% -3.4% YoY -1.0% QoQ	-2.49%	15.83% +1.5% YoY	16.27% -0.9% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.07% +2.8% YoY -74.7% QoQ	-0.21%	0.28% +9.3% YoY	0.12% -21.7% YoY	0.32% +4.1% YoY	34%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

213

Total Loans

size

Value: $552.97M

Peer Median: $255.72M

#213 of 2664 Top 8.0% in $100M-$1B

251

Total Deposits

size

Value: $654.20M

Peer Median: $327.97M

#251 of 2664 Top 9.4% in $100M-$1B

292

Total Assets

size

Value: $732.31M

Peer Median: $386.08M

#292 of 2664 Top 10.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available