C
Harford Bank
Rating Date
June 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 4.30
Capitalization Index 7.00
Liquidity Index 0.90
Profitability Index 4.50
Stability Index 6.40
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 6.22%
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 0.95%
Non-Performing Loans to Capital 9.44%
Non-Performing Loans to Loans 1.39%
Balance Sheet Harford Bank
Aberdeen, MD
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Total Assets 720.57M
Total Deposits 648.98M
Capital and Reserves Harford Bank
Aberdeen, MD
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Capital 66.32M
Leverage Ratio 9.31
Loan Loss Reserves to Loans 1.18%
Risk-Based Capital Ratio 15.07
Liquidity Harford Bank
Aberdeen, MD
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Hot Money Ratio 21.46%
Liquidity Ratio 20.35%
Profitability Harford Bank
Aberdeen, MD
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5-Year Return on Average Assets 0.92%
Net Income 1.53M
Net Interest Spread 3.32%
Operating Profit to Average Assets 1.10%
Overhead Efficiency Ratio 65.61%
Return on Assets 0.86%
Return on Equity 9.29%