BlastPoint's Banking Scorecard
The Harbor Bank of Maryland
Micro
Specialty: Commercial
MD
FDIC cert 24015
Designations: ✓ Community bank
Baltimore, MD
2498
banks in Micro tier nationally
10 in MD
View Micro leaderboard (MD) →
The Harbor Bank of Maryland has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.56% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 24.19% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$380.4M
-0.5% YoY
-2.5% QoQ
|
+$162.9M |
$217.5M
+2.3% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$211.1M
-6.2% YoY
+0.2% QoQ
|
+$71.9M |
$139.2M
+2.8% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$328.2M
-1.3% YoY
-2.9% QoQ
|
+$144.5M |
$183.7M
+1.8% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
0.22%
-68.4% YoY
+15.6% QoQ
|
-0.86% |
1.08%
+14.7% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
4.51%
+1.1% YoY
+2.6% QoQ
|
+0.66% |
3.85%
+6.6% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
91.91%
+14.4% YoY
+0.3% QoQ
|
+24.19% |
67.73%
-4.8% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
2.21%
-3.2% YoY
-15.2% QoQ
|
+1.57% |
0.64%
+24.4% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
64.31%
-5.0% YoY
+3.1% QoQ
|
-10.21% |
74.53%
+0.5% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
36.96%
+9.3% YoY
+4.6% QoQ
|
+14.56% |
22.39%
-1.3% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
1.23%
-8.8% YoY
-12.9% QoQ
|
+0.77% |
0.45%
+25.1% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.78%
-38.7% YoY
+26.7% QoQ
|
+0.22% |
0.56%
+0.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
36.96%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
91.91%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 36.96% · Tier avg: 22.39%
86
86th pctile
Total Deposits
Current: $328.2M · Tier avg: $183.7M
86
86th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
85
85th pctile
Total Assets
Current: $380.4M · Tier avg: $217.5M
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
76
76th pctile
Total Loans
Current: $211.1M · Tier avg: $139.2M
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.31% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.23% · Tier avg: 0.45%
11
11th pctile
Delinquency Rate
Current: 2.21% · Tier avg: 0.64%
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 91.91% · Tier avg: 67.73%
Top Weaknesses
8
8th pctile
Efficiency Ratio
Current: 91.91% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
11
11th pctile
Delinquency Rate
Current: 2.21% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.23% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.31% · Tier avg: 74.53%
76
76th pctile
Total Loans
Current: $211.1M · Tier avg: $139.2M
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
85
85th pctile
Total Assets
Current: $380.4M · Tier avg: $217.5M
86
86th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
86
86th pctile
Total Deposits
Current: $328.2M · Tier avg: $183.7M
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 36.96% · Tier avg: 22.39%