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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Maryland, the state note

Harford Bank

Aberdeen, Maryland · $777M in assets · beside the 11 other Maryland banks between $300M and $1B

The filing

0.91%
NPA / loans
11th of 12
+17.7%
Loans, year over year
2nd of 12, largest first
235.5%
CRE / capital
10th of 12

Harford Bank is the fourth largest of the 12 Maryland banks nearest its size between $300M and $1B, with $777M in assets at 30 June 2026. Loans are 84.3% of deposits, 6th of 12 against a median of 84.6%, and equity is 9.6% of assets, 9th of 12. Loans grew +17.7% in the year, 2nd of 12, and deposits grew 5.6%; the cohort's median loan growth is +4.7%.

Noncurrent loans are 0.91% of the book, 11th of 12 against a median of 0.46%; 0.04% is 30 to 89 days past due, and the allowance covers them 1.4 times. Commercial real estate is 33.0% of loans, 7th of 12 against a median of 32.4%, and 235% of capital, below the 300% screen, with construction at 42% against the 100% screen.

Return on assets is 1.08%, 4th of 12 against a median of 0.99%, on an efficiency ratio of 59.5%, 4th of 12. Five years ago it was 1.04%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Nonperforming loans, share of loansMD banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.46% FM Farmers & Merchants Bank 0.00% HS Hebron Savings Bank 0.08% WB Woodsboro Bank 0.09% QB Queenstown Bank of Maryland 0.12% Bo Bank of Glen Burnie 0.25% AB Arundel Bank 0.44% BB Bayvanguard Bank 0.48% Bo Bank of Ocean City 0.59% FB Farmers Bank of Willards 0.70% FS First Shore Federal Savings & Loan Association 0.82% HB Harford Bank 0.91% HB Harbor Bank of Maryland 1.89%
Loans, year over yearMD banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +4.7% Bo Bank of Glen Burnie +25.4% HB Harford Bank +17.7% HS Hebron Savings Bank +13.6% WB Woodsboro Bank +6.8% Bo Bank of Ocean City +6.3% FB Farmers Bank of Willards +5.2% QB Queenstown Bank of Maryland +4.1% FM Farmers & Merchants Bank +3.5% HB Harbor Bank of Maryland +1.8% FS First Shore Federal Savings & Loan Association +0.2% AB Arundel Bank +0.1% BB Bayvanguard Bank -5.5%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Harford BankRankCohort median
Total CRE against capital, the 300% screen235%10th of 12215%
Construction against capital, the 100% screen42%10th of 1230%
Construction and land development, share of loans5.9%9th of 124.3%
Non-owner-occupied nonfarm nonresidential, share of loans24.1%7th of 1223.4%
Total CRE, the guidance definition, share of loans33.0%7th of 1232.4%
CRE growth over 36 months, the third prong+30.0%9th of 12+21.0%
Commercial real estate against capital, the 300% screenMD banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 215% FS First Shore Federal Savings & Loan Association 58% Bo Bank of Glen Burnie 78% FB Farmers Bank of Willards 111% QB Queenstown Bank of Maryland 127% AB Arundel Bank 140% BB Bayvanguard Bank 215% HS Hebron Savings Bank 216% HB Harbor Bank of Maryland 226% WB Woodsboro Bank 232% HB Harford Bank 235% Bo Bank of Ocean City 276% FM Farmers & Merchants Bank 379%
CRE growth over 36 months, the guidance's third prongMD banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +21.0% FS First Shore Federal Savings & Loan Association -11.1% QB Queenstown Bank of Maryland +6.3% BB Bayvanguard Bank +12.1% FB Farmers Bank of Willards +13.0% FM Farmers & Merchants Bank +13.3% AB Arundel Bank +19.1% Bo Bank of Ocean City +22.8% WB Woodsboro Bank +24.0% HB Harford Bank +30.0% HS Hebron Savings Bank +38.7% HB Harbor Bank of Maryland +51.3% Bo Bank of Glen Burnie +78.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Farmers & Merchants Bank$874M1.0%63.0%0.00%-0.02%0.7%88.4%9.1%
Bayvanguard Bank$869M1.0%66.5%0.48%-0.01%0.9%103.1%18.7%
Hebron Savings Bank$839M1.6%53.6%0.08%-0.07%1.3%88.3%12.8%
Harford Bank$777M1.1%59.5%0.91%0.01%1.2%84.3%9.6%
Queenstown Bank of Maryland$730M0.8%64.9%0.12%0.01%1.4%73.4%10.4%
Bank of Ocean City$695M1.4%46.2%0.59%0.00%0.7%84.9%11.0%
Farmers Bank of Willards$548M1.4%59.1%0.70%0.11%1.1%84.0%11.7%
Arundel Bank$492M0.2%92.7%0.44%0.00%0.6%99.7%13.5%
Woodsboro Bank$483M1.1%62.6%0.09%-0.02%1.2%77.1%7.1%
Bank of Glen Burnie$395M-0.1%95.4%0.25%0.12%1.2%75.0%5.4%
Harbor Bank of Maryland$383M0.4%90.0%1.89%-0.01%1.1%70.7%12.2%
First Shore Federal Savings & Loan Association$367M0.8%69.1%0.82%0.00%1.3%94.6%17.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Harford BankCohort median
20212026Change20212026Change
Loans$380M$584M+54%$316M$437M+38%
Deposits$469M$693M+48%$440M$545M+24%
NPA / loans1.51%0.91%-0.60 pts1.03%0.46%-0.56 pts
Efficiency61.7%59.5%-2.2 pts68.4%63.9%-4.5 pts
ROA1.04%1.08%+0.04 pts0.76%0.99%+0.24 pts

This read was prepared for Harford Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Harford Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MD banks $300M to $1B
Institution www.harfordbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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