$560M
+14.3%y/y
Percentile by value85th percentileby value
FDIC
LNLSGRHB
Harford Bank
Aberdeen, MarylandFDIC Cert #19101
STATEEstablished 19649 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $138M |
| Investor CRE | $134M |
| Multifamily | $13.2M |
| Construction | $29.7M |
| 1–4 family | $152M |
| C&I | $51M |
| Agriculture | $8.7M |
| Other | $33.1M |
Loan book
Reported balances and balance-sheet intensity.
$553M
+14.2%y/y
Percentile by value85th percentileby value
FDIC
LNLSNET+14.23%
+458.0%y/y
Percentile by value85th percentileby value
FDIC
LNLSNET84.5%
+13.3%y/y
Percentile by value59th percentileby value
FDIC
LNLSNET + DEP75.5%
+12.4%y/y
Percentile by value70th percentileby value
FDIC
LNLSNET + ASSET87.94%
+3.8%y/y
Percentile by value58th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
223%
+13.9%y/y
Percentile by value70th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC37%
+65.1%y/y
Percentile by value50th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,047points
+2.2%y/y
Peer standing57th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD24.57%
+2.3%y/y
Percentile by value92nd percentileby value
FDIC
LNRENROW + LNLSGR23.96%
+3.4%y/y
Percentile by value80th percentileby value
FDIC
LNRENROT + LNLSGR9.11%
−13.6%y/y
Percentile by value49th percentileby value
FDIC
LNCI + LNLSGR