The Harbor Bank of Maryland

Baltimore, MarylandFDIC Cert #24015

STATEEstablished 19827 branches

Holding company: HARBOR BANKSHARES CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio 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

Latest reported loan balances by category
Category	Balance
Owner CRE	$42.7M
Investor CRE	$81.8M
Multifamily	$17.7M
Construction	$2.1M
1–4 family	$53M
C&I	$19.4M
Agriculture	$0
Other	$1.35M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$218M

−5.0%y/y

Percentile by value14th percentileby value

FDICLNLSGR

Net loans

$215M

−5.0%y/y

Percentile by value14th percentileby value

FDICLNLSNET

Loans YoY

−5.04%

−853.8%y/y

Percentile by value6th percentileby value

FDICLNLSNET

L/D

65.5%

−3.2%y/y

Percentile by value21st percentileby value

FDICLNLSNET + DEP

Loans/assets

56.4%

−4.1%y/y

Percentile by value21st percentileby value

FDICLNLSNET + ASSET

RE loans %

98.94%

+2.2%y/y

Percentile by value89th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,598points

+6.8%y/y

Peer standing29th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

19.60%

−4.8%y/y

Percentile by value80th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

37.49%

+10.6%y/y

Percentile by value96th percentileby value

FDICLNRENROT + LNLSGR

C&I %

8.89%

−20.6%y/y

Percentile by value47th percentileby value

FDICLNCI + LNLSGR