The Harbor Bank of Maryland: how it compares with its peers
Against 8 MD banks with half to twice its assets, The Harbor Bank of Maryland's strongest measure in Q2 2026 is net interest margin (4.69% vs. a 3.50% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $7.2M).
| Measure | The Harbor Bank of Maryland | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.37% | 0.99% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.69% | 3.50% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.04% | 63.70% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $7.2M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.87% | 83.68% | Context |
What it means for lending operations
Its efficiency ratio of 90.04% is above the 63.70% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Bank of Glen Burnie Glen Burnie, MD · $395M
- First Shore Federal Savings and Loan Association Salisbury, MD · $367M
- Eastern Savings Bank, FSB Hunt Valley, MD · $336M
- Woodsboro Bank Woodsboro, MD · $483M
- Arundel Bank Glen Burnie, MD · $492M
- The Farmers Bank of Willards Willards, MD · $548M
Questions about The Harbor Bank of Maryland
How big is The Harbor Bank of Maryland?
The Harbor Bank of Maryland, established in 1982, is headquartered in Baltimore, MD. It reported $383M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is The Harbor Bank of Maryland's return on assets?
0.37% annualized in Q2 2026, against a 0.99% median for 8 MD banks with half to twice its assets, ahead of 25% of them.
What is The Harbor Bank of Maryland's efficiency ratio?
90.04% in Q2 2026: it spent about 90 cents in noninterest expense for each dollar of revenue. The peer median is 63.70%, and lower is better.
Is The Harbor Bank of Maryland growing its loans?
Net loans grew 1.9% over the year to Q2 2026, while deposits shrank 3.5%.
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.