Harford Bank is a state-chartered bank headquartered in Aberdeen, Maryland, in business for about 62 years. At the end of Q2 2026 it reported $776.6M in total assets and $692.5M in deposits, with 9 offices.
Based on its Q2 2026 filing, Harford Bank scores 62/100, which we describe as moderate. That is higher than only 22% of 2,650 banks with $100 million – $1 billion. Among 27 banks headquartered in Maryland, it ranks 18th. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is capital cushion (49/100; 9.95%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (58 → 62), mostly because the loan quality component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 55 |
| Q4 2024 | 56 |
| Q1 2025 | 56 |
| Q2 2025 | 58 |
| Q3 2025 | 59 |
| Q4 2025 | 60 |
| Q1 2026 | 62 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.88% |
| Q3 2024 | 8.93% |
| Q4 2024 | 9.10% |
| Q1 2025 | 9.31% |
| Q2 2025 | 9.42% |
| Q3 2025 | 9.58% |
| Q4 2025 | 9.75% |
| Q1 2026 | 9.97% |
| Q2 2026 | 9.95% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.19% |
| Q3 2024 | 1.19% |
| Q4 2024 | 1.33% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.21% |
| Q3 2025 | 1.15% |
| Q4 2025 | 1.12% |
| Q1 2026 | 0.97% |
| Q2 2026 | 0.91% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.87% |
| Q3 2024 | 0.91% |
| Q4 2024 | 1.00% |
| Q1 2025 | 0.85% |
| Q2 2025 | 0.90% |
| Q3 2025 | 0.94% |
| Q4 2025 | 0.97% |
| Q1 2026 | 0.99% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $776.6M | 9.95% | 0.91% | 1.09% | 83.3% |
| Q1 2026 | 62 | $732.3M | 9.97% | 0.97% | 0.99% | 84.5% |
| Q4 2025 | 60 | $728.4M | 9.75% | 1.12% | 0.97% | 82.2% |
| Q3 2025 | 59 | $735.4M | 9.58% | 1.15% | 0.94% | 75.1% |
| Q2 2025 | 58 | $728.4M | 9.42% | 1.21% | 0.90% | 74.8% |
| Q1 2025 | 56 | $720.6M | 9.31% | 1.37% | 0.85% | 74.6% |
| Q4 2024 | 56 | $713.4M | 9.10% | 1.33% | 1.00% | 76.8% |
| Q3 2024 | 55 | $711.8M | 8.93% | 1.19% | 0.91% | 79.8% |
| Q2 2024 | 55 | $700.1M | 8.88% | 1.19% | 0.87% | 85.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Maryland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Queenstown Bank of MarylandBank Queenstown, MD | 77 out of 100, Strong | $729.5M | 11.6% | 0.12% | vs |
| Hebron Savings BankBank Hebron, MD | 88 out of 100, Very strong | $838.8M | 13.4% | 0.08% | vs |
| Bank of Ocean CityBank Ocean City, MD | 75 out of 100, Strong | $695.0M | 11.7% | 0.59% | vs |
| BayVanguard BankBank Baltimore, MD | 80 out of 100, Strong | $868.7M | 17.1% | 0.48% | vs |
| Farmers and Merchants BankBank Upperco, MD | 72 out of 100, Strong | $874.5M | 10.0% | 0.00% | vs |
| The Farmers Bank of WillardsBank Willards, MD | 76 out of 100, Strong | $547.6M | 12.1% | 0.70% | vs |
Deposit insurance
Is my money safe at Harford Bank?
Yes. Harford Bank is an FDIC-insured institution (FDIC certificate #19101). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.9% of deposits ($221.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.95%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.30% (benchmark: 10%).
9 locations
Branches
Harford Bank lists 9 offices in 7 cities. Most locations:
- Bel Air, MD (2)
- Elkton, MD (2)
- Aberdeen, MD (1)
- Abingdon, MD (1)
- Havre De Grace, MD (1)
- Jarrettsville, MD (1)
- Joppatowne, MD (1)
Identity & history
Profile
- Legal name
- Harford Bank
- Former names
- Aberdeen National Bank; Harford National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 19101
- RSSD ID
- 660927
- Primary regulator
- FDIC
- Established
- May 1, 1964
- Headquarters
- 8 W Bel Air Ave, Aberdeen, MD 21001
- Website
- www.harfordbank.com
- Employees
- 93
Quick answers
Harford Bank: common questions
Is Harford Bank FDIC insured?
Yes. Harford Bank is an FDIC-insured institution (FDIC certificate #19101). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Harford Bank's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Harford Bank ever failed?
There is no failure record for FDIC certificate #19101 in the FDIC failed bank list.
How many branches does Harford Bank have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Aberdeen
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lm Federal Credit UnionCredit union Baltimore, MD | 83 out of 100, Strong | $60.3M | 12.4% | 0.14% | vs |
| Thiokol Elkton Federal Credit UnionCredit union Elkton, MD | 83 out of 100, Strong | $23.8M | 18.2% | 0.16% | vs |
| BayVanguard BankBank Baltimore, MD | 80 out of 100, Strong | $868.7M | 17.1% | 0.48% | vs |
| First Financial of Maryland Federal Credit UnionCredit union Sparks, MD | 79 out of 100, Strong | $1.4B | 16.7% | 0.54% | vs |
| Destinations Credit UnionCredit union Baltimore, MD | 79 out of 100, Strong | $65.4M | 13.8% | 0.48% | vs |
| Self Reliance Financial Federal Credit UnionCredit union New York, NY | 79 out of 100, Strong | $2.0B | 17.2% | 0.63% | vs |