# HARFORD BANK
ABERDEEN, MD · FDIC certificate 19101 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $776.6M | |
| Deposits | $692.5M | |
| Loans and leases | $584.1M | |
| Total equity | $74.6M | |
| Loans / deposits | 83.31% (p54 of band) | 82.04% |
| Liquid assets / assets | 22.36% (p41 of band) | |
| Uninsured deposits / deposits | 31.94% (p72 of band) | 25.97% |
| Brokered deposits | 0.66% | |
| Wholesale funding | 0.66% (p31 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.95% (p33 of band) | 10.81% |
| Unrealized securities loss / equity | -6.76% (p55 of band) | -8.10% |
| AOCI / equity | -0.14% (p63 of band) | |
| ROA (annualized) | 1.09% (p38 of band) | 1.28% |
| Net interest margin | 3.89% (p49 of band) | 3.91% |
| Efficiency ratio | 59.51% (p44 of band) | |
| Noncurrent loans | 0.91% (p70 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p48 of band) | |
| Reserve coverage of noncurrent | 135.56% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 45.91% (p52 of band) | |
| Auto loans | $1.6M (0.27% of loans; DQ 0.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 93 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | loans exceed deposits | capital falling |
| 2017-03 | 0 |  | loans exceed deposits |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | noncurrent p90 |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 3 | noncurrent p90 |  |
| 2022-03 | 2 |  | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling, deposits shrinking | noncurrent p90 |
| 2023-12 | 1 |  | capital falling, deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | capital falling | reserve under noncurrent |
| 2024-09 | 1 | reserve under noncurrent | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-25 [Harford Bank launches campaign supporting local Humane Society - Baltimore Sun](https://news.google.com/rss/articles/CBMiggFBVV95cUxOZGdUbVdLRzV0TlhwcXEzVE00cEdCR0NEQURtdFpsUDk4YlpCSWJHSXlod2dhTzlQZGJ0UFJYWVQ5eG9YU1RKUThkbTc1eTRQc0U5dnRNRzF5R3JQMjdYWlFHRS03MGZFVXI1c3M1bTZSLWJDSVcxTFAtWGlXNl9kNzJR?oc=5) · Baltimore Sun
- 2025-10-15 [Local bank to open first Baltimore County office - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPT1VxUFRzMGF1WWh3YmpfNXQxODNJT19DMEZ4TmpRQnZyYUhiaGFqby1vTTJoU2JVV3pTWHRWaTNnTzJBeHlZWklDSjduN2M1SzNFakhJNmRja21HN081Yk5DOEc4aWVTZS13RjRoMjRob2U0UEYwNmc4TVZsZk1uTE5GUjZWYnB4eGxBSWt4TE1xTklydkFfQkxrOA?oc=5) · The Business Journals
- 2023-02-07 [Harford Bank Celebrates Success in Jarrettsville - I95 Business](https://news.google.com/rss/articles/CBMimgFBVV95cUxQS2tVeHk5VnN2bktoQ3F1cXNjdmNKcGJfZmk1SUZJVHdkb1F0cWpvQVdjbDhhSVpzS3NyNVdRRlRzVWlXcFUzSkxVaF9ZZXhtMlVSUFlueExoMHVpVFBtaGo3ekRZbkJ4bjQ3MS1tZHdON2I1NEJNeG9iUlBabWZwS3pLNnN6RTVpRjJpS2tCT0c0dWFkX2dCX25R?oc=5) · I95 Business
- 2023-08-12 [New Harford Bank Chair Focusing on both physical and digital community - I95 Business](https://news.google.com/rss/articles/CBMitwFBVV95cUxPUWptR3FNOGdzbDQ2WkxIbXdSOUl1OU5MeWlELU5FQ2E2aHVvNTctRHo2aEpuSXB4cThQSFJlQi1MaVdySlRwUFE1bDlhZXZuNU5iYldnYnJZQjNjSjB6QlRxZDJZdHpTT3lFRzM5ZDFibmdsTE5NWi1TQTVjRXl0R3NVdmcwZFpmUXFjR3lnNHNzdV9yay13UW5SdXh1eTRhbVJJb0k5OUhybHZVUnEwV1RvR2t0a1k?oc=5) · I95 Business
- 2019-12-18 [Charles H. Jacobs Jr. - Maryland Daily Record](https://news.google.com/rss/articles/CBMiakFVX3lxTFAwTzZ5X1d1MTZiZzBEMF8xZGZCMzRDUktzUjRxT2xUbjJCMl8yV01teU9CYS1BQ2U3a1BpeFpweTQ0WW90dlQ5UmhLWlFLeUJ4R3lKYXZXQWY0RUVNejExandxd3lIUHRDSEE?oc=5) · Maryland Daily Record
- 2014-11-21 [Harford Bank celebrates 50 years in the community - Baltimore Sun](https://news.google.com/rss/articles/CBMilAFBVV95cUxPbVQ1TkNrR3FYUzNFZEZrSlBzTWZ4UU8tYjlJVXNBZFNQNVNNS3pwM2NDTjZ6RnJnYTZpa2FWLS1zc0x5R3Q4ejRyNkhUZlB3T0plSExTRTFpRmRXYWdFU3FSVkFCTkVRUnFIYS1UcmFxWGFLcWQ4cTM3aXlyTVEwaEpMR3pXalNsM3FRbWJKQmdYMEtL?oc=5) · Baltimore Sun
- 2023-02-15 [Charles Jacobs Obituary (2023) - Aberdeen, MD - Baltimore Sun - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxQVG5RcUh0aXZPN0Ria0NIRkVnbTdYV2pMM2pjUTFpYXlqTDBmeG1ZekRnRFlTVjF0d0tacS1VWWFSaGVpLU9MWEFKYWhRZ3g1dWFVRFZPZFFLUFRNZzJzTnRJS2NaUFctd01mSVg2ZEtrVDh2U2V3dHV1el9TNENIeFlnRklMbGVFakdVNERYd2IyTGh5?oc=5) · Legacy obituary
- 2019-08-05 [Succession Follows Success at Harford Bank - I95 Business](https://news.google.com/rss/articles/CBMikAFBVV95cUxOcERmRmRyYzFNT2N2VjJwNzhFWUhmelVOc05jcHpiY01ENjNFNDg2UE1YOWJMbzZIU3R5VHcxSndRVm9oS19neDlwcENzZkxtZHpfZ3V1LWJIWXZNWEdNWXFsOVdnSWVVbF9qbkxWTUFvQldXZU5nWFl6WVVKdVQzY2ZSZ1ZxSjlWMUpfdnV2VFM?oc=5) · I95 Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19101 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "19101", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide