Harford Bank
Aberdeen, MD
IDRSSD: 660927
Total Assets
$728.37M
Latest filing
Total Deposits
$652.35M
Latest filing
Net Interest Margin
3.80%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Harford Bank
8 W Bel Air Ave
Aberdeen, MD 21001
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/01/1964FDIC Certificate 12933
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Harford Bank (Main) | 8 W Bel Air Ave | Aberdeen, MD |
| JOPPATOWNE BRANCH | 501 Riviera Dr | Joppatowne, MD |
| BEL AIR BRANCH | 505 S Main St | Bel Air, MD |
| HAVRE DE GRACE BRANCH | 960 Revolution St | Havre De Grace, MD |
| BOX HILL BRANCH | 2905 Emmorton Rd | Abingdon, MD |
| ELKTON BRANCH | 133 N Bridge St | Elkton, MD |
| HICKORY BRANCH | 1610 Conowingo Rd | Bel Air, MD |
| SOUTHFIELD BRANCH | 305 Augustine Herman Hwy | Elkton, MD |
Showing 7 of 8
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 | 05/01/1964 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 21001 |
| State and County Number | 24025 |
| 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 | 93 |
| Domestic Offices | 9 |
| 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 | 05/01/1964 |
| Primary Insurance Agency | DIF |
| Website | www.harfordbank.com |
| Data Updated | 01/30/2026 |
| CERT | 19101 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $728.37M |
| Total Deposits | $652.35M |
| Total Liabilities | $657.16M |
| Total Equity Capital | $71.20M |
| Net Income | $1.95M |
| Net Loans and Leases | $536.34M |
| Assets Per Employee ($Millions) | $7.59M |
| Bank Premises and Fixed Assets | $8.04M |
| Cash and Balances due from Depository Institutions | $60.77M |
| Deposits Held in Domestic Offices | $652.35M |
Key Performance Ratios
| Return on Assets (ROA) | 1.07% |
| Return on Equity (ROE) | 11.1% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 57.83% |
| Tier 1 Risk-Based Capital Ratio | 13.471% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.776% |
| Earning Assets to total Assets | 96.45% |
Income and Expense
| Total Interest Income | $9.43M |
| Total Noninterest Income | $523.00k |
| Total Interest Expense | $2.73M |
| Total Noninterest Expense | $4.18M |
| Net Interest Income | $6.70M |
| Pre-tax Net Operating Income | $2.55M |
| Provision for Credit Losses | $497.00k |
| 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 | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.82M |
| Total Liabilities and Capital | $728.37M |
Securities
| Securities | $109.33M |
| Available-for-sale debt securities | $7.45M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $101.88M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Harford Bank?
$728.37M as of the latest filing.
How much are Harford Bank's total deposits?
$652.35M in total deposits.
Where is Harford Bank located?
Aberdeen, MD.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
9.
When was it established?
05/01/1964.
What is the Return on Assets (ROA)?
1.07%.
How much are total loans and leases?
$536.34M (latest filing).
What is the total interest income (latest filing)?
$9.43M.