Total Assets
$728M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$652M
Customer-funded liabilities
Net Loans
$536M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
41st percentile nationally
0.97%
Return on Equity (ROE)
10.40%
Efficiency Ratio
61.92%
What the numbers say about Harford Bank
Harford Bank is an FDIC-insured institution (Certificate #19101) headquartered in Aberdeen, Maryland, established in 1964. It holds $728M in total assets - 1,345th of 4,313 FDIC-insured banks, $652M in customer deposits, and $536M in net loans. Capital-wise, the Tier 1 ratio sits at 13.47%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 7.83%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Harford Bank sits 14th of 28 banks headquartered in Maryland by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Maryland by total assets
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.
Other banks in Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Harford Bank's health grade?▼
Harford Bank receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Harford Bank?▼
Harford Bank holds $728M in total assets and $652M in deposits, ranking 1,345th of 4,313 FDIC-insured banks by asset size. It is headquartered in Aberdeen, Maryland.
Is my money safe at Harford Bank?▼
Yes, deposits at Harford Bank (Certificate #19101) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Harford Bank's Tier 1 Capital Ratio?▼
Harford Bank has a Tier 1 Capital Ratio of 13.47%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Harford Bank?▼
Harford Bank has a Texas Ratio of 7.83%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Harford Bank?▼
Harford Bank has an Efficiency Ratio of 61.92%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Harford Bank's profile as a depositor or analyst.
- Harford Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Harford Bank against other Maryland banks before moving funds. Maryland banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.