The Harbor Bank of Maryland
Baltimore, MD·RSSD 533124·FDIC 24015·bank:533124·CBLR opted in
- #21 of 27Total assets in Maryland
- 7offices
- 74employees
- #1 of 26Lowest cost of deposits in Maryland
- Top 5%Cost of deposits vs. peers
- #4 of 26Net interest margin in Maryland
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at The Harbor Bank of Maryland
3 of 25 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Unrealized securities position worsening while the peer median improvesWorth a look: Capital 2nd quarter-2.1%peers -7.5%+5.4 pp
The Harbor Bank of Maryland's unrealized securities gain or loss relative to Tier 1 capital fell 1.9 percentage points over the past year to -2.1%. Among 1434 similar banks, the median rose 3.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Unrealized securities gain or loss relative to Tier 1 capital | ||
| -2.1% | -7.5% | +5.4 pp |
| 12-month change | ||
| -1.9 pp | +3.1 pp | -5.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Harbor Bank of Maryland itself is left out of every peer median and percentile. How signals work
Noninterest-bearing deposit share rising while the peer median fallsStrength: Funding 2nd quarter37.5%peers 20.5%+16.9 pp
The Harbor Bank of Maryland's share of deposits that pay no interest rose 3.9 percentage points over the past year to 37.5%. Among 1432 similar banks, the median fell 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 37.5% | 20.5% | +16.9 pp |
| 12-month change | ||
| +3.9 pp | -0.1 pp | +3.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Harbor Bank of Maryland itself is left out of every peer median and percentile. How signals work
Where The Harbor Bank of Maryland differs most from peers
Efficiency ratio among the highest of similar banksContext: Efficiency96.4%peers 60.8%+35.6 pp
The Harbor Bank of Maryland's efficiency ratio was 96.4%, compared with a median of 60.8% among 1433 similar banks: higher than 97% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 96.4% | 60.8% | +35.6 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Harbor Bank of Maryland itself is left out of every peer median and percentile. How signals work
1 more observation
- Deposit costs among the lowest of similar banksFunding
Key facts
- The Harbor Bank of Maryland is a bank headquartered in Baltimore, Maryland. It reported $383 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $324 million, down 3.5% from a year earlier, and loans totaled $229 million, up 1.8%.
- Its net interest margin was 4.72% and its annualized return on assets was 0.14% for the quarter.
- Its cost of all deposits was 0.86%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With The Harbor Bank of Maryland's own data, FORFI would look at: Which balance-sheet segments consume or release capital, relationship by relationship.
Analysis workspaces
Sources and identifiers
- Institution
- The Harbor Bank of Maryland · Bank
- Federal Reserve RSSD
- 533124
- FDIC certificate
- 24015
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Harbor Bank of Maryland itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $132K | — | |
| $4.93M | — | |
| $730K | — | |
| $4.2M | — | |
| $541K | — | |
| $4.57M | — | |
| $0 | — | |
| $0 | — | |
| 0.14% | 0.14%ROAQ · Quarter | |
| 4.72% | 4.70%NIMYQ · Quarter | |
| 96.37% | 96.37%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.