FDIC Cert #24015 · Baltimore, Maryland · Est. 1982

The Harbor Bank of Maryland - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$380M
Total assets
C
Health grade · Fair
0.22%
Return on assets
12.3%
Tier 1 capital

Data updated July 2026

The verdict

The Harbor Bank of Maryland earns a PlainBankData health grade of C (58/100), with well-capitalized at 12.27% Tier 1, 0.22% ROA, 92% efficiency ratio.

#2,152
largest of 4,313 FDIC banks by assets
50th
percentile by asset size, nationally
12.27%
Tier 1 ratio - above the 10% well-capitalized line
8th
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 24015 · MD C · 58/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (58/100)
  • BOTTOM-DECILE #3896/4307
  • PHOTO-FINISH TBK BANK, SSB · TX
  • TIER1-WELL 12.3% Tier 1
  • TEXAS-CLEAN 9.4% Texas
  • ROA-THIN 0.22% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: TBK BANK, SSB, TX (±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 The Harbor Bank of Maryland

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

Morgan Stanley Bank,… · UT ·…100/100Charles River Bank · MA · ne…58/100First State Bank · OK · near58/100MutualOne Bank · MA · near58/100TBK BANK, SSB · TX · near58/100The Harbor Bank of M… · MD ·…58/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Harbor Bank of Maryland · July 2026

Call Report read for The Harbor Bank of Maryland in a high-failure state

The Harbor Bank of Maryland (FDIC Cert #24015) carries a PlainBankData health grade of C at 58/100, 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 #3,896 of 4,307. Tier 1 capital prints at 12.27%, clearing the 10% well-capitalized line. The Texas Ratio is 9.39%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.22%. Balance-sheet scale is $380M, 2,152nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is TBK BANK, SSB (TX), 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 The Harbor Bank of Maryland

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

The Harbor Bank of Maryland 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 The Harbor Bank of Maryland'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 The Harbor Bank of Maryland's 58/100 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 avg77/10058/100
The Harbor Bank of Maryland's composite health score
Tier 1 Capital Ratio (12.27%) 35/40
Return on Assets (ROA) (0.22%) 7/25
Texas Ratio (9.39%) 16/20
Efficiency Ratio (91.91%) 0/15

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

Balance sheet at a glance

Total Assets

$380M

Total balance-sheet footings

Total Deposits

$328M

Customer-funded liabilities

Net Loans

$211M

Outstanding loan book

Net Income

$856K

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.) 10.87% 12.27% 13.67%
Basel III capital ratios - The Harbor Bank of Maryland

Where The Harbor Bank of Maryland ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Harbor Bank of Maryland's score of 58/100 falls in the highlighted band.

The Harbor Bank of Maryland: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

58 10th percentile higher than 10% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Harbor Bank of Maryland 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

The Harbor Bank of Maryland'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). The Harbor Bank of Maryland's $380M falls in the highlighted band.

Capital & credit buffers at The Harbor Bank of Maryland

Tier 1 capital ratio
Well-capitalized 10%

12.27% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.27%
Texas Ratio
9.39%
Equity Capital
$47M

What these ratios mean →

Profitability metrics: The Harbor Bank of Maryland

Return on Assets (ROA)
8th percentile nationally
0.22%
Return on Equity (ROE)
1.85%
Efficiency Ratio
91.91%

What these mean →

Income & expense at The Harbor Bank of Maryland

$20M
Interest Income
$3M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Harbor Bank of Maryland reports a Texas Ratio of 9.39% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

9.39% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Harbor Bank of Maryland 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 ($380M here), outside Maryland so the neighborhood is not state containment.

First Iowa State Bank $380M · IA Georgia Community Bank $380M · GA First FarmBank $380M · CO American Community Bank of Indiana $381M · IN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Harbor Bank of Maryland (FDIC Cert #24015) - 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.

The Harbor Bank of Maryland 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%