# HARBOR BANK OF MARYLAND
BALTIMORE, MD · FDIC certificate 24015 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $383.2M | |
| Deposits | $323.8M | |
| Loans and leases | $228.8M | |
| Total equity | $46.8M | |
| Loans / deposits | 69.87% (p25 of band) | 82.04% |
| Liquid assets / assets | 35.23% (p76 of band) | |
| Uninsured deposits / deposits | 41.24% (p89 of band) | 25.97% |
| Brokered deposits | 15.92% | |
| Wholesale funding | 17.75% (p91 of band) | |
| FHLB advances / assets | 1.83% | |
| Tier 1 leverage | 12.36% (p72 of band) | 10.81% |
| Unrealized securities loss / equity | -2.12% (p78 of band) | -8.10% |
| AOCI / equity | -2.13% (p7 of band) | |
| ROA (annualized) | 0.37% (p8 of band) | 1.28% |
| Net interest margin | 4.69% (p87 of band) | 3.91% |
| Efficiency ratio | 90.04% (p95 of band) | |
| Noncurrent loans | 1.89% (p87 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 60.90% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 12.10% (p17 of band) | |
| Auto loans | $102,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 74 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 1 |  | noncurrent p90 |
| 2012-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 3 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2012-09 | 4 | capital falling |  |
| 2012-12 | 3 |  | capital falling |
| 2013-03 | 4 | losing money |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 6 | deposits shrinking, assets shrinking |  |
| 2013-12 | 3 |  | noncurrent p90, deposits shrinking, assets shrinking |
| 2014-03 | 4 | expense ratio p90 |  |
| 2014-06 | 5 | capital falling |  |
| 2014-09 | 3 |  | reserve under noncurrent, capital falling |
| 2014-12 | 4 | reserve under noncurrent |  |
| 2015-03 | 3 | deposits shrinking, assets shrinking | charge-offs p90, losing money, expense ratio p90 |
| 2015-06 | 2 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2015-09 | 5 | capital falling, losing money, expense ratio p90 |  |
| 2015-12 | 4 |  | charge-offs p90 |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | capital falling |
| 2016-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2017-03 | 1 |  | losing money, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-06 | 3 | losing money, charge-offs p90 |  |
| 2017-09 | 1 |  | losing money, charge-offs p90 |
| 2017-12 | 3 | losing money, charge-offs p90 |  |
| 2018-03 | 2 | capital falling | losing money, charge-offs p90 |
| 2018-06 | 3 | reserve under noncurrent |  |
| 2018-09 | 2 |  | reserve under noncurrent |
| 2018-12 | 2 |  |  |
| 2019-03 | 5 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2019-06 | 5 | leverage <7% | charge-offs p90 |
| 2019-09 | 6 | noncurrent p90 |  |
| 2019-12 | 6 |  |  |
| 2020-03 | 2 |  | capital falling, losing money, leverage <7%, noncurrent p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 5 | noncurrent p90, deposits shrinking, uninsured deposits leaving |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 | capital falling, losing money | deposits shrinking, uninsured deposits leaving |
| 2021-06 | 2 |  | noncurrent p90, capital falling, losing money |
| 2021-09 | 1 |  | reserve under noncurrent |
| 2021-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | deposits shrinking |  |
| 2023-06 | 5 | assets shrinking |  |
| 2023-09 | 2 |  | expense ratio p90, deposits shrinking, assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | deposits shrinking | noncurrent p90 |
| 2024-09 | 4 | noncurrent p90, assets shrinking |  |
| 2024-12 | 2 |  | deposits shrinking, assets shrinking |
| 2025-03 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2025-06 | 4 | expense ratio p90, noncurrent p90 | capital falling |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 2 |  | charge-offs p90, noncurrent p90 |
| 2026-06 | 4 | brokered >10%, wholesale funding >15% |  |

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

- 2025-10-03 [Harbor Bank of Maryland opens new branch in Silver Spring - afro.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQUWs0SDRndVBDQV9seVpYQjRkY0FZaURsWi14LVJtOE5LbW9uVnpHbnQ1U0R0VVctcU0ycFh0TkhQbkQ1MmtqZ1NCZ09KU1EwUklubGt0SG9Edk9jWUR0UjZJN05GZ2xhdTdhbVhzbVVLQnV1X3k1Q1lTdjNPUmhJZC1wVm50cHlnQWtoZnNfVENuUkRDMXc?oc=5) · afro.com
- 2021-05-24 [Wells Fargo Completes Investments in 13 Black-Owned Banks, Fulfilling $50 Million Pledge Made in 2020 - newsroom.wf.com](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQWkplX3hETm5oemxERHJYS2sta3dlcGNiMTJJRDJXTDdET3UzMk56RzVJcFBKZlh0cGtydnhSU3BVa3NnSF90bEl2Q01sQlJSeVFDaUhwRVFZcEoweFVGU1NMUDJHckM4T3NnaG9JMDJDdzk2dllsRnlkT2QzMVM5eGV4UWE0T2hlcnp5WHNUVG4tRFJQdUZwUGJrTGZXbWlyMml5N0ttdUFVY1FmckdtMF9iRjRBTTRzNkRGd3lhV2RVclBlZ2JHVjBjcDF5OWY2dzRnUjRpdF9qZ0RZRU5EUFhrYWVacEhvckVuZU9UQjJ2MFdteXA0RDlVNU0?oc=5) · newsroom.wf.com
- 2025-07-29 [Harbor Bank of Maryland Opens Downtown Silver Spring Branch at 1010 Wayne Avenue - Source of the Spring](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPbWxTMHhGOXYxTC0xZ2FncEhOT3dNVjdlZ3pnM3dRalRwM01lT3JxdGtqNzRlOWx0LUNaUmc0XzhGbExjMTVoaXhSWHFWRUtlOXRVcEV0S19Pd2VaU2pnZVRkVk52NUh0UUYyYTZUa2Q1WmNFYjItTGxZN0VxLWF3ZnJ1cl9Fb1hyTVBWU0p1WFdmRUkzYV9yaHk3OVhMU18wYmNlY2xRdXRBNGF1eHdnTkdEYUxVTGZIcnRHaEVzbmRMR3dMYk1aU0FWSldPZ0g1U1l5N0hpU2VEZw?oc=5) · Source of the Spring
- 2024-09-23 [Meet Germano Gomez, Managing Director of The Harbor Bank of Maryland Community Development Corporation - afro.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNdURvUWlfNWxGbjZZZG1sZ0FmclhGTml2QUNyUWNhQ0tmc2U5STBtWnBsSnpwWFA0bkgxaVJVaDhiZ2N2ZmF2aWp5LUxTQ29KaEZqeFc5VVdJVlFmY1l2Vzc0b1lKNGhSazBkZWNWSlBrSUVvemhMYkJ3Mjl6cVQxcnEyU0cxcnczQXZicGVvSExOMEJ2RWJRd0JPejcwczJ4RHMyaw?oc=5) · afro.com
- 2015-10-09 [FEATURED MOVER: Trent Williams, Harbor Bank of MD - Maryland Daily Record](https://news.google.com/rss/articles/CBMijwFBVV95cUxNQVZ3YlVvSGdRR3U5YmEtMS1lc0FtUDBVWlJvcW5QNHZVc0lCc0o0dHFuSzhabWJ3Y1hCSU1IVXduUlV3cnRzUUhkeWd5ZnJ1TXoxN1hCWGdaa0J6czVFbDVFYjdieXpacENEN1V2bThrcVJGRHlKVEllTTNjUThqUXVjRWZuVnpBblA4S1Y4QQ?oc=5) · Maryland Daily Record
- 2025-07-14 [AHC Marks Opening of Maryland Development - Affordable Housing Finance](https://news.google.com/rss/articles/CBMijgFBVV95cUxNU09ISkFBV0JvUU9TcVZUZjctRVp6eTMyMTNiN3NiM09LYzk4SnIwT2tlRXczNVFRempSMmI4cjBMWjBhVUZXdFRTaVcteWRtOTlfVmh0WC13SkpCWEh1ZkhGTk9RSGJ3V0U5M2ViOHdSSjhnYzJ0WXM4S2VYSEdWV19WaUxFM29meG1Valln?oc=5) · Affordable Housing Finance
- 2022-09-30 [Harbor Bank of Maryland, one of the only Black-owned banks i... - afro.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNTlg1dGdYYU1LWk0wd1hFdGtHMmxLMGFSX0twMHlyYUJISW1xdGRtdnA2bzJmelNCeGczeWRmczA3YU01eHlaZzlMblRjd20zcDZmeVZyOFdjcDZNNjUtY3hGLUdqMWF2TEJWRFVfemVwTno0NnZMRGdOWjVDakZ3TUxlUjI3VWZ3cE53U2FsR1RjZmV6dDB3b2NFZThFT0k0X1VmZHJUbWt0RkJFM1QtcTBnaXdiejlkT3dtVFFCQy1qMndVUXdkRjEwWUlqeVBxNEJWOGhB?oc=5) · afro.com
- 2020-08-12 [Firstrust Bank opens first full-service branch in Md. - Maryland Daily Record](https://news.google.com/rss/articles/CBMilgFBVV95cUxQV2dIYnVNYUJka0pSX21mVXhkRnltbTdzWV9MTEQ5ZFhmZVdNRnFJX3FYaXVvYzl0SV9UUzZaZVlXUEZnYzZVUE9PQzRwVW5TQnZkQndzSFZCR0JuMFQzY29OQUMwaTh4WkpjTlB4WUNWUmFsZjVjY2d6ZFFtZ0ZlaTY5bzZZU1lPRVpSWG1oZ3FieXphX3c?oc=5) · Maryland Daily Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24015 (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/15.json (key "24015", 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