Harford Bank
Aberdeen, Maryland · FDIC Cert #19101
Harford Bank is an FDIC-insured bank (Certificate #19101) with $700M in total assets and $599M in total deposits as of the Q2 2024 Call Report. Headquartered in Aberdeen, Maryland, the bank maintains a Tier 1 capital ratio of 12.15% (Well-Capitalized) and a nonperforming loan ratio of 1.19%. BankHealthData assigns a composite Health Grade of B (75/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Harford Bank (FDIC cert 19101) is a community bank — $700M in total assets, $599M in deposits, serving the Aberdeen, Maryland area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.15% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.19% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 23.6% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.13% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Harford Bank carries a composite BankHealth grade of B (75/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Harford Bank
- Total Assets
- $700M
- Total Deposits
- $599M
- Tier 1 Capital Ratio
- 12.15%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.19%
- Liquidity Ratio
- 23.62%
- Return on Assets
- 1.13%
- Headquarters
- Aberdeen, Maryland
- FDIC Certificate
- #19101
- Health Grade
- B (75/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Harford Bank holds a Tier 1 capital ratio of 12.15%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Harford Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Harford Bank shows strong financial health indicators. With $700M in assets and a Health Score of 75/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Harford Bank Compares
Harford Bank’s Health Score of 75 is 6 points above the Maryland state average of 69 across 28 FDIC-insured banks. Its 12.15% Tier 1 capital ratio is 1.9 points below the US banking industry average near 14%. The 1.19% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.13% is in line with or above the national ROA benchmark of ~1.1%. Among 1266 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Harford Bank is 5 points above the portfolio average of 70.
Frequently Asked Questions
Harford Bank has a Bank Health Score of B (75/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.15%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Harford Bank's Tier 1 capital ratio of 12.15% and nonperforming loan ratio of 1.19% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Harford Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #19101). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Harford Bank holds $700M in total assets and $599M in total deposits. It is headquartered in Aberdeen, Maryland (FDIC Certificate #19101).
Harford Bank has a Tier 1 capital ratio of 12.15%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.19%, and the return on assets is 1.13%.
Yes. Harford Bank is FDIC-insured (Certificate #19101). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Harford Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.