The Harbor Bank of Maryland is a state-chartered bank headquartered in Baltimore, Maryland, in business for about 44 years. At the end of Q2 2026 it reported $383.2M in total assets and $323.8M in deposits, with 7 offices.
Based on its Q2 2026 filing, The Harbor Bank of Maryland scores 56/100, which we describe as moderate. That is higher than only 13% of 2,650 banks with $100 million – $1 billion. Among 27 banks headquartered in Maryland, it ranks 22nd. Its strongest component is problem-loan coverage (83/100; 8.7%), and its lowest is earnings (35/100; 0.37%).
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 6 points (50 → 56), mostly because the loan quality component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 57 |
| Q4 2024 | 55 |
| Q1 2025 | 57 |
| Q2 2025 | 50 |
| Q3 2025 | 48 |
| Q4 2025 | 52 |
| Q1 2026 | 57 |
| Q2 2026 | 56 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.77% |
| Q3 2024 | 13.11% |
| Q4 2024 | 12.35% |
| Q1 2025 | 11.93% |
| Q2 2025 | 12.03% |
| Q3 2025 | 12.05% |
| Q4 2025 | 12.27% |
| Q1 2026 | 12.47% |
| Q2 2026 | 12.36% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.48% |
| Q3 2024 | 2.27% |
| Q4 2024 | 2.25% |
| Q1 2025 | 1.71% |
| Q2 2025 | 2.30% |
| Q3 2025 | 2.57% |
| Q4 2025 | 2.18% |
| Q1 2026 | 2.03% |
| Q2 2026 | 1.89% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.21% |
| Q3 2024 | 0.92% |
| Q4 2024 | 0.70% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.25% |
| Q3 2025 | 0.19% |
| Q4 2025 | 0.22% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $383.2M | 12.36% | 1.89% | 0.37% | 69.9% |
| Q1 2026 | 57 | $381.7M | 12.47% | 2.03% | 0.60% | 65.5% |
| Q4 2025 | 52 | $380.4M | 12.27% | 2.18% | 0.22% | 64.3% |
| Q3 2025 | 48 | $390.1M | 12.05% | 2.57% | 0.19% | 62.4% |
| Q2 2025 | 50 | $386.1M | 12.03% | 2.30% | 0.25% | 66.2% |
| Q1 2025 | 57 | $385.6M | 11.93% | 1.71% | 0.44% | 67.6% |
| Q4 2024 | 55 | $382.5M | 12.35% | 2.25% | 0.70% | 67.7% |
| Q3 2024 | 57 | $351.0M | 13.11% | 2.27% | 0.92% | 75.4% |
| Q2 2024 | 66 | $354.6M | 12.77% | 1.48% | 1.21% | 77.2% |
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 Bank of Glen BurnieBank Glen Burnie, MD | 60 out of 100, Moderate | $394.9M | 8.8% | 0.25% | vs |
| First Shore Federal Savings and Loan AssociationBank Salisbury, MD | 78 out of 100, Strong | $366.5M | 17.4% | 0.82% | vs |
| Eastern Savings Bank, FSBBank Hunt Valley, MD | 63 out of 100, Moderate | $336.4M | 31.0% | 6.73% | vs |
| Woodsboro BankBank Woodsboro, MD | 70 out of 100, Strong | $483.3M | 8.8% | 0.09% | vs |
| Arundel BankBank Glen Burnie, MD | 72 out of 100, Strong | $492.1M | 14.0% | 0.44% | 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 The Harbor Bank of Maryland?
Yes. The Harbor Bank of Maryland is an FDIC-insured institution (FDIC certificate #24015). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 41.2% of deposits ($133.5M) 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 12.36%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
The Harbor Bank of Maryland lists 7 offices in 3 cities. Most locations:
- Baltimore, MD (5)
- Randallstown, MD (1)
- Silver Spring, MD (1)
Identity & history
Profile
- Legal name
- The Harbor Bank of Maryland
- Type
- State-chartered bank
- FDIC certificate #
- 24015
- RSSD ID
- 533124
- Primary regulator
- FDIC
- Holding company
- Harbor Bankshares Corp
- Established
- September 13, 1982
- Headquarters
- 25 W Fayette St, Baltimore, MD 21201
- Website
- www.theharborbank.com
- Employees
- 74
Quick answers
The Harbor Bank of Maryland: common questions
Is The Harbor Bank of Maryland FDIC insured?
Yes. The Harbor Bank of Maryland is an FDIC-insured institution (FDIC certificate #24015). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Harbor Bank of Maryland's TellerScore?
56 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 The Harbor Bank of Maryland ever failed?
There is no failure record for FDIC certificate #24015 in the FDIC failed bank list.
How many branches does The Harbor Bank of Maryland have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Baltimore
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mt. Jezreel Federal Credit UnionCredit union Silver Spring, MD | 84 out of 100, Strong | $191K | 20.1% | 0.00% | vs |
| Tower Federal Credit UnionCredit union Laurel, MD | 83 out of 100, Strong | $5.0B | 14.3% | 0.39% | vs |
| Lm Federal Credit UnionCredit union Baltimore, MD | 83 out of 100, Strong | $60.3M | 12.4% | 0.14% | vs |
| BayVanguard BankBank Baltimore, MD | 80 out of 100, Strong | $868.7M | 17.1% | 0.48% | vs |
| Homewood Federal Savings BankBank Baltimore, MD | 80 out of 100, Strong | $67.3M | 26.1% | 0.00% | vs |
| Prince George'S Community Federal Credit UnionCredit union Bowie, MD | 80 out of 100, Strong | $337.0M | 13.5% | 0.84% | vs |