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The Harbor Bank of Maryland

$100M-$1B Specialty: Commercial MD FDIC cert 24015

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Baltimore, MD

7 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 -3.5% year over year ($323.8M on the books).
  • Delinquency rate 1.91%.
  • Return on assets 0.37%.
  • Efficiency ratio 90.04% vs a 64.48% peer average.
  • Loan-to-deposit ratio 69.87% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 16 in MD
View $100M-$1B leaderboard (MD) →

The Harbor Bank of Maryland has 1 strength but faces 4 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

  • + Deposit Franchise: Top 48.2% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 2.5% in tier
  • - Return on Assets 0.95% below tier average
  • - Efficiency Ratio 25.56% above tier average
  • - Delinquency Rate 0.99% above tier average
Get updates when The Harbor Bank of Maryland releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Total Assets ? $383.2M
-0.7% YoY +0.4% QoQ
-$3.3M $386.6M
+1.2% YoY
$1.8B
+4.0% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $226.2M
+1.9% YoY +5.0% QoQ
-$32.1M $258.3M
+1.7% YoY
$1.3B
+3.8% YoY
$3.2B
+9.4% YoY
54%
Total Deposits ? $323.8M
-3.5% YoY -1.6% QoQ
-$3.0M $326.7M
+0.7% YoY
$1.6B
+4.1% YoY
$4.9B
+7.3% YoY
59%
Return on Assets ? 0.37%
+47.7% YoY -38.5% QoQ
-0.95% 1.32%
+10.8% YoY
0.92%
+12.6% YoY
1.30%
+12.1% YoY
Bottom 8.9% in tier
Net Interest Margin ? 4.69%
+7.8% YoY +0.3% QoQ
+0.70% 3.99%
+5.0% YoY
3.72%
+5.0% YoY
3.95%
+4.9% YoY
Top 14.6% in tier
Efficiency Ratio ? 90.04%
-1.6% YoY +7.6% QoQ
+25.56% 64.48%
-3.2% YoY
67.38%
-3.5% YoY
70.05%
+2.5% YoY
Bottom 5.8% in tier
Delinquency Rate ? 1.91%
-17.9% YoY -7.2% QoQ
+0.99% 0.92%
+15.7% YoY
1.07%
+9.6% YoY
0.98%
+16.3% YoY
Bottom 13.6% in tier
Loan-to-Deposit Ratio ? 69.87%
+5.6% YoY +6.7% QoQ
-8.09% 77.95%
+1.0% YoY
87.38%
+1.5% YoY
79.03%
+2.3% YoY
70%
Non-Interest-Bearing Deposit Share ? 37.50%
+11.5% YoY -0.9% QoQ
+15.46% 22.03%
-0.6% YoY
20.47%
+3.3% YoY
21.98%
-0.6% YoY
Top 6.7% in tier
Nonperforming Asset Ratio ? 1.13%
-15.7% YoY -2.9% QoQ
+0.46% 0.67%
+16.4% YoY
0.90%
+8.0% YoY
0.69%
+15.8% YoY
18%
Tier 1 Capital Ratio ? 12.36%
+2.7% YoY -0.9% QoQ
-3.55% 15.91%
+1.4% YoY
16.33%
+1.1% YoY
17.09%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.29%
-32.4% YoY +93.0% QoQ
-0.27% 0.57%
+7.6% YoY
0.25%
+1.8% YoY
0.66%
+5.2% YoY
71%

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 37.5%
+3.9pp YoY
-0.3pp QoQ
 +15.3pp 22.1% 21.3% 22.2% 93%
Brokered Deposits 18.8% +11.0pp 7.9% 10.7% 8.5% 89%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
C&I 11.6%
+1.9pp YoY
+2.6pp QoQ
 0.0pp 11.6% 8.9% 12.5% 61%
CRE 66.0%
-0.4pp YoY
-1.0pp QoQ
 +26.4pp 39.5% 50.0% 41.4% 90%
1-4 Family 23.2%
-1.0pp YoY
-1.4pp QoQ
 -9.4pp 32.6% 37.9% 31.3% 37%
Consumer 0.5%
-0.5pp YoY
-0.2pp QoQ
 -3.7pp 4.1% 3.2% 5.0% 15%

Capital

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.4% 19.7% n/a
Leverage Ratio 12.4%
+0.3pp YoY
-0.1pp QoQ
 +0.2pp 12.2% 13.0% 12.6% 68%
Total Capital Ratio n/a n/a 19.9% 17.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Full-Time Employees 74
-5 (-6.3%) YoY
-4 (-5.1%) QoQ
 +15 58 170 482 73%
Assets per Employee ($) $5.2M
+6.0% YoY
+5.8% QoQ
 -$2.3M $7.5M $9.4M $8.8M 17%
Branch Count 7
0 YoY
0 QoQ
 +2 4 9 18 75%

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 1.9%
-0.4pp YoY
-0.1pp QoQ
 +1.0pp 0.9% 1.1% 1.0% 86%
Allowance Coverage 0.61x
+12.9% YoY
+1.5% QoQ
 -23.54x 24.15x 46.66x 20.23x 14%
Net Charge-off Rate (YTD) -0.0%
-0.5pp YoY
+0.1pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
ROE 3.0%
+0.9pp YoY
-1.8pp QoQ
 -9.2pp 12.2% 8.0% 11.6% 8%
Cost of Funds (YTD) 0.8%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.9% 1.7% 6%
Net Income ($, YTD) $702,000
+46.6% YoY
— QoQ
 -$1.9M $2.6M $8.4M $40.4M 16%

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 (1)

Deposit Franchise

growth
#135 of 278 • Top 48.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 37.50%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.69%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Flatlined Growth

risk
#14 of 529 • Bottom 2.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.37%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

177
Non-Interest-Bearing Deposit Share
funding
Value: 37.50%
Peer Median: 22.03%
#177 of 2643 Top 6.7% in $100M-$1B
388
Net Interest Margin
profitability
Value: 4.69%
Peer Median: 3.99%
#388 of 2643 Top 14.6% in $100M-$1B

Top Weaknesses (4 metrics)

2492
Efficiency Ratio
profitability
Value: 90.04%
Peer Median: 64.48%
#2492 of 2643 Bottom 5.8% in $100M-$1B
2409
Return on Assets
profitability
Value: 0.37%
Peer Median: 1.32%
#2409 of 2643 Bottom 8.9% in $100M-$1B
2275
Delinquency Rate
credit_quality
Value: 1.91%
Peer Median: 0.92%
#2275 of 2633 Bottom 13.6% in $100M-$1B
2178
Nonperforming Asset Ratio
credit_quality
Value: 1.13%
Peer Median: 0.67%
#2178 of 2643 Bottom 17.6% in $100M-$1B
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