C
Harford Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Harford Bank
Aberdeen, MD
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Rating C
Asset Quality Index 4.40
Capitalization Index 7.70
Liquidity Index 0.70
Profitability Index 4.80
Stability Index 4.30
Company Info Harford Bank
Aberdeen, MD
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FDIC Number 19101
Phone Number (410) 272-5000
Website www.harfordbank.com
Asset Quality Harford Bank
Aberdeen, MD
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1-Year Asset Growth 3.31%
5-Year Asset Growth 17.82%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.81%
Non-Performing Loans to Capital 7.76%
Non-Performing Loans to Loans 1.19%
Balance Sheet Harford Bank
Aberdeen, MD
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Total Assets 735.38M
Total Deposits 660.68M
Capital and Reserves Harford Bank
Aberdeen, MD
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Capital 69.53M
Leverage Ratio 9.58
Loan Loss Reserves to Loans 1.21%
Risk-Based Capital Ratio 15.40
Liquidity Harford Bank
Aberdeen, MD
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Hot Money Ratio 21.23%
Liquidity Ratio 19.85%
Profitability Harford Bank
Aberdeen, MD
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5-Year Return on Average Assets 0.92%
Net Income 5.12M
Net Interest Spread 3.45%
Operating Profit to Average Assets 1.22%
Overhead Efficiency Ratio 63.42%
Return on Assets 0.95%
Return on Equity 10.16%