# HARVEST BANK OF MARYLAND
GAITHERSBURG, MD · FDIC certificate 57766 · asset band <$300M · latest filing 2012-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $163.0M | |
| Deposits | $145.5M | |
| Loans and leases | $89.2M | |
| Total equity | $1.2M | |
| Loans / deposits | 59.60% (p34 of band) | 67.95% |
| Liquid assets / assets | 39.66% (p59 of band) | |
| Uninsured deposits / deposits | 2.04% (p10 of band) | 8.38% |
| Brokered deposits | 0.09% | |
| Wholesale funding | 9.76% (p84 of band) | |
| FHLB advances / assets | 9.66% | |
| Tier 1 leverage | 0.59% (p0 of band) | 9.95% |
| Unrealized securities loss / equity | 2.84% (p51 of band) | 2.77% |
| AOCI / equity | -8.18% (p0 of band) | |
| ROA (annualized) | -3.60% (p1 of band) | 0.78% |
| Net interest margin | 2.05% (p3 of band) | 3.77% |
| Efficiency ratio | 281.52% (p100 of band) | |
| Noncurrent loans | 21.28% (p100 of band) | 1.40% |
| Net charge-offs (annualized) | 1.52% (p96 of band) | |
| Reserve coverage of noncurrent | 13.17% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 1040.52% (p100 of band) | |
| Auto loans | $11,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.7% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, expense ratio p90, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 | losing money | charge-offs p90 |
| 2011-09 | 9 |  |  |
| 2011-12 | 9 |  |  |
| 2012-03 | 12 | capital falling, charge-offs p90, uninsured deposits leaving |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2012-05-04 [Bank of the Eastern Shore now closed - MyEasternShoreMD](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNb3c3ekNrNUlLMTFCWVYtZFJvWmFiVkxCbXRiNjVYWDZqai1QVmJkSW1tcnd1UkhtbVJVVGtObUFyX1l4Q0FvLXlIVVpFVTlPUUV3TFlpa1Y5Tms1NkhVWEE1N0tqU09BVVZtS3pIa0ZuTVVtNnVEWElsWFFMbFNRRGE2VDJYN2hqTnhSV0RyWlRFeWF3U0k4NF8tRUtpczdrZ2c3WkhlY2ZOc01RZU0wVkxrZEw2N3BHQVEtSFJCWWVPa3NGQ1ZkQ0xBUmczZ09aU1BpYy1aV1I2dw?oc=5) · MyEasternShoreMD
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57766 (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/38.json (key "57766", 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