Side-by-side · Q2 2026 data
Harford Bank vs BayVanguard Bank
Metric by metric
| Measure | Harford Bank | BayVanguard Bank |
|---|---|---|
| TellerScore | 62 | 80 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 70 | 84 (stronger) |
| Earnings | 64 (stronger) | 60 |
| Funding & liquidity | 58 (stronger) | 52 |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 22nd | 77th |
| Total assets | $776.6M | $868.7M |
| Deposits / shares | $692.5M | $689.1M |
| Capital ratio | 9.95% | 17.13% (stronger) |
| Problem loans | 0.91% | 0.48% (stronger) |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 1.09% (stronger) | 1.01% |
| Loans ÷ deposits | 83.3% (stronger) | 102.2% |
| Uninsured deposits | 31.9% | 20.7% (stronger) |
| Offices | 9 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.3% |
BayVanguard Bank has the higher TellerScore (80 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Harford Bank leads on 2 and BayVanguard Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.