What is Harford Bank's financial health grade?

Harford Bank has a TFS Financial Health Grade of C- (score: 72.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Harford Bank have?

Harford Bank has 9 branch locations across the United States.

Is Harford Bank FDIC insured?

Yes, Harford Bank is FDIC insured (Certificate #19101).

What are the total assets of Harford Bank?

Harford Bank has total assets of $728.4M as reported in its most recent FDIC filing.

Harford Bank

BankAberdeen, Maryland

www.harfordbank.com

Total Assets

$728.4M

Total Deposits

$652.3M

Branches

Established

1964

TFS Health Grade

C-

72.5 / 100

Average financial health

How we grade

Harford Bank is a bank headquartered in Aberdeen, Maryland, established in 1964. With $728.4M in total assets and 9 branch locations, it has a TFS Financial Health Grade of C- (72.5/100).

Capital & Safety

Tier 1 Capital Ratio

9.75%(8%)

Total Capital Ratio

14.72%(10%)

Non-Performing Loan Ratio

1.12%

Profitability

Return on Assets (ROA)

0.97%(1%)

Return on Equity (ROE)

10.40%(10%)

Net Interest Margin

3.54%

Efficiency Ratio

61.92%(60%)

Lending & Liquidity

Total Loans

$543.0M

Loan-to-Deposit Ratio

82.22%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+2.09%

Deposit Growth (YoY)

+1.40%

Net Income

$7.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Harford BankHQ	8 W Bel Air Ave	Aberdeen	MD	11
Harford Bank	2905 Emmorton Rd	Abingdon	MD	11
Harford Bank	505 S Main St	Bel Air	MD	11
Harford Bank	1610 Conowingo Rd	Bel Air	MD	11
Harford Bank	133 N Bridge St	Elkton	MD	11
Harford Bank	305 Augustine Herman Hwy	Elkton	MD	11
Harford Bank	960 Revolution St	Havre De Grace	MD	11
Harford Bank	3891jarrettsville Pike	Jarrettsville	MD	11
Harford Bank	501 Riviera Dr	Joppatowne	MD	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.