BlastPoint's Banking Scorecard
Harford Bank
Aberdeen, MD
9 branches across MD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 16 in MD.
- Deposits +5.6% year over year ($692.5M on the books).
- Delinquency rate 0.92%.
- Return on assets 1.09%.
- Efficiency ratio 59.51% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.31% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Harford Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.97% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Net Interest Margin 0.10% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$776.6M
+6.6% YoY
+6.1% QoQ
|
+$390.1M |
$386.6M
+1.2% YoY
|
$1.8B
+4.0% YoY
|
$6.3B
+7.7% YoY
|
Top 9.0% in tier |
| Total Loans ? |
$576.9M
+17.7% YoY
+4.3% QoQ
|
+$318.6M |
$258.3M
+1.7% YoY
|
$1.3B
+3.8% YoY
|
$3.2B
+9.4% YoY
|
Top 7.0% in tier |
| Total Deposits ? |
$692.5M
+5.6% YoY
+5.9% QoQ
|
+$365.8M |
$326.7M
+0.7% YoY
|
$1.6B
+4.1% YoY
|
$4.9B
+7.3% YoY
|
Top 7.5% in tier |
| Return on Assets ? |
1.09%
+21.1% YoY
+9.9% QoQ
|
-0.23% |
1.32%
+10.8% YoY
|
0.92%
+12.6% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
3.89%
+15.1% YoY
+2.3% QoQ
|
-0.10% |
3.99%
+5.0% YoY
|
3.72%
+5.0% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
59.51%
-7.9% YoY
-4.6% QoQ
|
-4.97% |
64.48%
-3.2% YoY
|
67.38%
-3.5% YoY
|
70.05%
+2.5% YoY
|
59% |
| Delinquency Rate ? |
0.92%
-25.0% YoY
-6.6% QoQ
|
+0.00% |
0.92%
+15.7% YoY
|
1.07%
+9.6% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
83.31%
+11.4% YoY
-1.4% QoQ
|
+5.36% |
77.95%
+1.0% YoY
|
87.38%
+1.5% YoY
|
79.03%
+2.3% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
24.00%
-0.2% YoY
+2.5% QoQ
|
+1.97% |
22.03%
-0.6% YoY
|
20.47%
+3.3% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.68%
-17.3% YoY
-8.1% QoQ
|
+0.02% |
0.67%
+16.4% YoY
|
0.90%
+8.0% YoY
|
0.69%
+15.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
13.05%
-6.7% YoY
-2.2% QoQ
|
-2.86% |
15.91%
+1.4% YoY
|
16.33%
+1.1% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.14%
-2.1% YoY
+93.9% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.25%
+1.8% YoY
|
0.66%
+5.2% YoY
|
31% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.0%
0.0pp YoY +0.6pp QoQ |
+1.9pp | 22.1% | 21.3% | 22.2% | 62% |
| Brokered Deposits | 0.7% | -7.1pp | 7.9% | 10.7% | 8.5% | 15% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.8%
-1.7pp YoY -0.4pp QoQ |
-2.7pp | 11.6% | 8.9% | 12.5% | 45% |
| CRE |
59.4%
+6.2pp YoY +2.5pp QoQ |
+19.9pp | 39.5% | 50.0% | 41.4% | 84% |
| 1-4 Family |
25.9%
-2.4pp YoY -1.7pp QoQ |
-6.7pp | 32.6% | 37.9% | 31.3% | 42% |
| Consumer |
4.2%
-1.3pp YoY -0.3pp QoQ |
+0.1pp | 4.1% | 3.2% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.1%
-0.9pp YoY -0.3pp QoQ |
-5.8pp | 18.8% | 16.4% | 19.7% | 28% |
| Leverage Ratio |
9.9%
+0.5pp YoY 0.0pp QoQ |
-2.2pp | 12.2% | 13.0% | 12.6% | 30% |
| Total Capital Ratio |
14.3%
-0.9pp YoY -0.3pp QoQ |
-5.6pp | 19.9% | 17.5% | 20.8% | 30% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
93
+2 (+2.2%) YoY +4 (+4.5%) QoQ |
+34 | 58 | 170 | 482 | 84% |
| Assets per Employee ($) |
$8.4M
+4.3% YoY +1.5% QoQ |
+$833K | $7.5M | $9.4M | $8.8M | 72% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 9 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.9%
-0.3pp YoY -0.1pp QoQ |
0.0pp | 0.9% | 1.1% | 1.0% | 69% |
| Allowance Coverage |
1.36x
+36.0% YoY +6.8% QoQ |
-22.80x | 24.15x | 46.66x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.2%
+1.4pp YoY +1.1pp QoQ |
-1.0pp | 12.2% | 8.0% | 11.6% | 44% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.9% | 1.7% | 35% |
| Net Income ($, YTD) |
$4.1M
+25.3% YoY — QoQ |
+$1.5M | $2.6M | $8.4M | $40.4M | 81% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.