FDIC Cert #19101 · Aberdeen, Maryland · Est. 1964

Harford Bank - FDIC Bank Health Profile

A community-scale look at Harford Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$728M
Total assets
B
Health grade · Good
0.97%
Return on assets
13.5%
Tier 1 capital

Data updated July 2026

The verdict

Harford Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.47% Tier 1, 0.97% ROA, 62% efficiency ratio.

#1,345
largest of 4,313 FDIC banks by assets
69th
percentile by asset size, nationally
13.47%
Tier 1 ratio - above the 10% well-capitalized line
41st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 19101 · MD B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2750/4307
  • PHOTO-FINISH Peoples Bank of Macon · IL
  • TIER1-WELL 13.5% Tier 1
  • TEXAS-CLEAN 7.8% Texas
  • ROA-PAR 0.97% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: Peoples Bank of Macon, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Harford Bank

Lowest and highest poles plus nearest scored peers outside Maryland, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community National B… · IL ·…73/100Grand Timber Bank · MN · near73/100Harford Bank · MD · this bank73/100Machias Savings Bank · ME · …73/100Peoples Bank of Macon · IL ·…73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Harford Bank · July 2026

Call Report read for Harford Bank in a high-failure state

Harford Bank (FDIC Cert #19101) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,750 of 4,307. Tier 1 capital prints at 13.47%, clearing the 10% well-capitalized line. The Texas Ratio is 7.83%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.97%. Balance-sheet scale is $728M, 1,345th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Peoples Bank of Macon (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Harford Bank

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

Harford Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Harford Bank's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maryland banks.

How Harford Bank's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
Harford Bank's composite health score
Tier 1 Capital Ratio (13.47%) 35/40
Return on Assets (ROA) (0.97%) 14/25
Texas Ratio (7.83%) 16/20
Efficiency Ratio (61.92%) 8/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$728M

Total balance-sheet footings

Total Deposits

$652M

Customer-funded liabilities

Net Loans

$536M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.07% 13.47% 14.87%
Basel III capital ratios - Harford Bank

Where Harford Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Harford Bank's score of 73/100 falls in the highlighted band.

Harford Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 36th percentile higher than 36% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Harford Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Harford Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Harford Bank's $728M falls in the highlighted band.

Capital & credit buffers at Harford Bank

Tier 1 capital ratio
Well-capitalized 10%

13.47% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.47%
Texas Ratio
7.83%
Equity Capital
$71M

What these ratios mean →

Profitability metrics: Harford Bank

Return on Assets (ROA)
41st percentile nationally
0.97%
Return on Equity (ROE)
10.40%
Efficiency Ratio
61.92%

What these mean →

Income & expense at Harford Bank

$36M
Interest Income
$2M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Harford Bank reports a Texas Ratio of 7.83% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Harford Bank on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

Top 5 banks in Maryland ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($728M here), outside Maryland so the neighborhood is not state containment.

Barwick Banking Company $728M · GA Lake Shore Bank $728M · NY First Bank $730M · IA Countybank $730M · SC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Harford Bank (FDIC Cert #19101) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Harford Bank Call Report profile · FDIC Failed Bank List · Maryland FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
EagleBankBethesda $10.4B C -1.20%
Forbright BankPotomac $7.9B B 1.35%
Shore United Bank, National AssociationEaston $6.3B B 1.08%
CFG BankLutherville $5.7B B 1.43%
Capital Bank, National AssociationRockville $3.5B B 1.51%
First United Bank & TrustOakland $2.1B A 1.27%
Rosedale BankNottingham $1.3B B 0.18%
Middletown Valley BankMiddletown $1.1B B 0.90%