Harford Bank: how it compares with its peers
Against 13 MD banks with half to twice its assets, Harford Bank's strongest measure in Q2 2026 is efficiency ratio (59.51% vs. a 62.98% peer median). Its weakest relative measure is return on assets (1.09% vs. 0.97%).
| Measure | Harford Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 0.97% | Middle third Ahead of 62% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.55% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.51% | 62.98% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $7.5M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.31% | 86.48% | Context |
What it means for lending operations
Its efficiency ratio of 59.51% is better than the 62.98% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Queenstown Bank of Maryland Queenstown, MD · $730M
- Hebron Savings Bank Hebron, MD · $839M
- Bank of Ocean City Ocean City, MD · $695M
- BayVanguard Bank Baltimore, MD · $869M
- Farmers and Merchants Bank Upperco, MD · $874M
- The Farmers Bank of Willards Willards, MD · $548M
Questions about Harford Bank
How big is Harford Bank?
Harford Bank, established in 1964, is headquartered in Aberdeen, MD. It reported $777M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Harford Bank's return on assets?
1.09% annualized in Q2 2026, against a 0.97% median for 13 MD banks with half to twice its assets, ahead of 62% of them.
What is Harford Bank's efficiency ratio?
59.51% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 62.98%, and lower is better.
Is Harford Bank growing its loans?
Net loans grew 17.7% over the year to Q2 2026, while deposits grew 5.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Maryland bank ranked.