The Harbor Bank of Maryland
Baltimore, MD
IDRSSD: 533124
Total Assets
$380.38M
Latest filing
Total Deposits
$328.19M
Latest filing
Net Interest Margin
4.81%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Harbor Bank of Maryland
25 W Fayette St
Baltimore, MD 21201
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/13/1982FDIC Certificate 16747
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Harbor Bank of Maryland (Main) | 25 W Fayette St | Baltimore, MD |
| LIBERTY PLAZA BRANCH | 8530 Liberty Rd | Randallstown, MD |
| PARK HEIGHTS BRANCH | 5000 Park Heights Ave | Baltimore, MD |
| INNER HARBOR EAST BRANCH | 1000 Lancaster St Ste C | Baltimore, MD |
| SCIENCE & TECHNOLOGY PARK EAST AT JOHNS HOPKINS BRANCH | 855 N Wolfe St | Baltimore, MD |
| NORTHWOOD BRANCH | 1509 Havenwood Rd | Baltimore, MD |
| SILVER SPRING BRANCH | 1010 Wayne Ave Ste 100 | Silver Spring, MD |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/13/1982 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 21201 |
| State and County Number | 24510 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Baltimore-Columbia-Towson, MD |
Operational Info
| Number of Employees | 85 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/13/1982 |
| Primary Insurance Agency | DIF |
| Website | HTTPS://WWW.THEHARBORBANK.COM |
| Data Updated | 01/30/2026 |
| CERT | 24015 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $380.38M |
| Total Deposits | $328.19M |
| Total Liabilities | $333.26M |
| Total Equity Capital | $47.12M |
| Net Income | $299.00k |
| Net Loans and Leases | $211.07M |
| Assets Per Employee ($Millions) | $5.21M |
| Bank Premises and Fixed Assets | $9.33M |
| Cash and Balances due from Depository Institutions | $28.92M |
| Deposits Held in Domestic Offices | $328.19M |
Key Performance Ratios
| Return on Assets (ROA) | 0.31% |
| Return on Equity (ROE) | 2.55% |
| Net Interest Margin | 4.81% |
| Efficiency Ratio | 92.84% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.388% |
| Earning Assets to total Assets | 93.53% |
Income and Expense
| Total Interest Income | $5.14M |
| Total Noninterest Income | $564.00k |
| Total Interest Expense | $802.00k |
| Total Noninterest Expense | $4.55M |
| Net Interest Income | $4.34M |
| Pre-tax Net Operating Income | $351.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.18M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.07M |
| Total Liabilities and Capital | $380.38M |
Securities
| Securities | $116.59M |
| Available-for-sale debt securities | $116.59M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Harbor Bank of Maryland?
$380.38M as of the latest filing.
How much are The Harbor Bank of Maryland's total deposits?
$328.19M in total deposits.
Where is The Harbor Bank of Maryland located?
Baltimore, MD.
What is the Net Interest Margin?
4.81%.
How many domestic offices does it operate?
7.
When was it established?
09/13/1982.
What is the Return on Assets (ROA)?
0.31%.
How much are total loans and leases?
$211.07M (latest filing).
What is the total interest income (latest filing)?
$5.14M.