BlastPoint's Banking Scorecard

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

2664 banks in the $100M-$1B peer group nationally 17 in 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 41.9% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 6.2% in tier
- Efficiency Drag: Bottom 45.6% in tier
- ROA 0.67% below tier average
- Delinquency Rate 1.17% 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 ?	$381.7M -1.0% YoY +0.3% QoQ	-$4.4M	$386.1M +0.5% YoY	$1.8B +4.9% YoY	$6.2B +9.1% YoY	59%
Total Loans ?	$215.4M -5.0% YoY +2.0% QoQ	-$40.3M	$255.7M +1.1% YoY	$1.3B +7.3% YoY	$3.2B +10.8% YoY	52%
Total Deposits ?	$329.1M -1.9% YoY +0.3% QoQ	+$1.1M	$328.0M +0.1% YoY	$1.6B +7.4% YoY	$4.8B +8.2% YoY	59%
Return on Assets ?	0.60% +37.1% YoY +169.1% QoQ	-0.67%	1.27% +12.9% YoY	0.90% +4.7% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	4.68% +8.6% YoY +3.8% QoQ	+0.75%	3.93% +6.0% YoY	3.69% +5.2% YoY	3.89% +5.7% YoY	Top 13.5% in tier
Efficiency Ratio ?	83.71% -2.2% YoY -8.9% QoQ	+18.42%	65.29% -4.5% YoY	68.69% -3.5% YoY	66.95% -4.1% YoY	Bottom 11.3% in tier
Delinquency Rate ?	2.06% +19.0% YoY -6.9% QoQ	+1.17%	0.89% +18.8% YoY	1.00% +1.9% YoY	0.95% +18.8% YoY	Bottom 11.9% in tier
Loan-to-Deposit Ratio ?	65.45% -3.2% YoY +1.8% QoQ	-11.18%	76.64% +0.8% YoY	87.36% +2.8% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	37.84% +16.8% YoY +2.4% QoQ	+15.82%	22.02% -1.0% YoY	20.21% -0.6% YoY	22.01% -1.2% YoY	Top 6.6% in tier
Nonperforming Asset Ratio ?	1.16% +14.2% YoY -5.3% QoQ	+0.52%	0.64% +19.7% YoY	0.86% +7.2% YoY	0.67% +19.3% YoY	16%
Tier 1 Capital Ratio ?	12.47% +4.5% YoY +1.7% QoQ	-3.36%	15.83% +1.5% YoY	16.27% -0.9% YoY	17.06% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.15% -51.3% YoY -80.6% QoQ	-0.13%	0.28% +9.3% YoY	0.12% -21.7% YoY	0.32% +4.1% YoY	74%

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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 (1)

Deposit Franchise

growth

#115 of 272 • Top 41.9% 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: 37.84%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.68%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (2)

Flatlined Growth

risk

#33 of 512 • Bottom 6.2% 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: 0.60%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Efficiency Drag

risk

#190 of 414 • Bottom 45.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.71%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

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 (2 metrics)

178

Non-Interest-Bearing Deposit Share

funding

Value: 37.84%

Peer Median: 22.02%

#178 of 2664 Top 6.6% in $100M-$1B

360

Net Interest Margin

profitability

Value: 4.68%

Peer Median: 3.93%

#360 of 2664 Top 13.5% in $100M-$1B

Top Weaknesses (4 metrics)

2364

Efficiency Ratio

profitability

Value: 83.71%

Peer Median: 65.29%

#2364 of 2664 Bottom 11.3% in $100M-$1B

2338

Delinquency Rate

credit_quality

Value: 2.06%

Peer Median: 0.89%

#2338 of 2654 Bottom 11.9% in $100M-$1B

2236

Return on Assets

profitability

Value: 0.60%

Peer Median: 1.27%

#2236 of 2664 Bottom 16.1% in $100M-$1B

2226

Nonperforming Asset Ratio

credit_quality

Value: 1.16%

Peer Median: 0.64%

#2226 of 2664 Bottom 16.5% in $100M-$1B