$382M
−1.0%y/y
Percentile by value23rd percentileby value
FDIC
ASSETHB
The Harbor Bank of Maryland
Baltimore, MarylandFDIC Cert #24015
STATEEstablished 19827 branches
Holding company: HARBOR BANKSHARES CORPRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Harbor Bank of Maryland reported $382M in total assets. Deposits declined 1.88% over the prior year.
Return on assets was 0.60%, compared with an asset-peer median of 1.22%. The leverage ratio was 12.47%.
- Why is Efficiency Ratio above asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
- Why is Total Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$329M
−1.9%y/y
Percentile by value25th percentileby value
FDIC
DEP$215M
−5.0%y/y
Percentile by value14th percentileby value
FDIC
LNLSNET0.60%
+16 bpsy/y
Peer standing15th percentile
FDIC
NETINC + ROA83.71%
−191 bpsy/y
Peer standing9th percentile
FDIC
NONIX + NIM + NONII + EEFFR12.47%
+54 bpsy/y
Peer standing75th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $334M | $276M |
| Q3 2021 | $327M | $280M |
| Q4 2021 | $331M | $288M |
| Q1 2022 | $370M | $334M |
| Q2 2022 | $406M | $353M |
| Q3 2022 | $371M | $321M |
| Q4 2022 | $363M | $320M |
| Q1 2023 | $353M | $310M |
| Q2 2023 | $373M | $332M |
| Q3 2023 | $372M | $329M |
| Q4 2023 | $380M | $333M |
| Q1 2024 | $365M | $312M |
| Q2 2024 | $355M | $303M |
| Q3 2024 | $351M | $301M |
| Q4 2024 | $382M | $333M |
| Q1 2025 | $386M | $335M |
| Q2 2025 | $386M | $336M |
| Q3 2025 | $390M | $338M |
| Q4 2025 | $380M | $328M |
| Q1 2026 | $382M | $329M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $42.7M |
| Investor CRE | $81.8M |
| Multifamily | $17.7M |
| Construction | $2.1M |
| 1–4 family | $53M |
| C&I | $19.4M |
| Agriculture | $0 |
| Other | $1.35M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.60%15th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE4.84%12th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.68%88th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR83.71%9th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP−1.88%12th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET−5.04%6th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.03%11th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ12.47%75th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.39%94th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.60%31st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 0.95%90th 1.64%Observations 27
ROE
FDIC
NETINC + ROE4.84%35th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.59%Median 7.95%90th 13.78%Observations 27
NIM
FDIC
NIM + NIMY4.68%88th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.73%90th 4.71%Observations 27
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR83.71%19th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.98%Median 63.54%90th 89.92%Observations 27
Deposits YoY
FDIC
DEP−1.88%15th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.67%Median +0.94%90th +9.72%Observations 27
Loans YoY
FDIC
LNLSNET−5.04%8th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.01%Median +4.15%90th +13.29%Observations 27
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.03%12th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.50%90th 2.27%Observations 27
Leverage
FDIC
RBC1AAJ12.47%69th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.07%Median 11.19%90th 17.92%Observations 27
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.39%96th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.78%Median 2.49%90th 3.53%Observations 27
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 68%Median 221%90th 328%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.60%23rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.23%Median 0.97%90th 1.66%Observations 14
ROE
FDIC
NETINC + ROE4.84%31st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.30%Median 9.01%90th 13.06%Observations 14
NIM
FDIC
NIM + NIMY4.68%92nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.16%Median 3.86%90th 4.67%Observations 14
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR83.71%15th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.90%Median 63.42%90th 91.80%Observations 14
Deposits YoY
FDIC
DEP−1.88%23rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.99%Median +0.00%90th +5.74%Observations 14
Loans YoY
FDIC
LNLSNET−5.04%8th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.03%Median +4.47%90th +12.96%Observations 14
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.03%8th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.41%90th 1.71%Observations 14
Leverage
FDIC
RBC1AAJ12.47%54th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.34%Median 12.15%90th 17.19%Observations 14
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.39%92nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.47%Median 2.14%90th 2.85%Observations 14
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 68%Median 217%90th 292%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 7 branches
- Headquarters
- Baltimore, MD
FDIC
OFFDOMOpen the Maryland dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data