The Harbor Bank of Maryland

The Harbor Bank of Maryland is headquartered in Baltimore and is the 44^th largest bank in the state of Maryland. It is also the 2,686^th largest bank in the nation. It was established in 1982 and as of March of 2012, it had grown to 70 employees at 7 locations. The Harbor Bank of Maryland's money market rates are 59% higher than the national average, and it has a 3-star health rating.

The Harbor Bank of Maryland Checking Account Rates

The Harbor Bank of Maryland Savings Account Rates

The Harbor Bank of Maryland Money Market Rates

The Harbor Bank of Maryland CD Rates

The Harbor Bank of Maryland IRA Rates

Data for Q1 2012

Institution Statistics The Harbor Bank of Maryland FDIC Certificate # 24015 BankRate Report View Year Established 1982 Employees 70 Primary Regulator FDIC Assets and Liabilities Assets $239.21 million Loans $180.34 million Deposits $204.91 million Equity Capital $26.56 million Loan Loss Allowance $3.94 million Unbacked Noncurrent Loans $6.67 million Real Estate Owned $309,000 Historic Data - March 2011 Assets $269.56 million Equity Capital $24.39 million Loan Loss Allowance $4.83 million Unbacked Noncurrent Loans $8.14 million Real Estate Owned $454,000 Profit Margin - Quarterly Net Interest Margin 5% Return on Assets 0.2% Return on Equity 1.79% Interest Income $2.95 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Harbor Bank of Maryland had $6.98 million in non-current loans and owned real-estate with $30.5 million in equity and loan loss allowances on hand to cover it. This gives The Harbor Bank of Maryland a Texas Ratio of 22.87% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Harbor Bank of Maryland decreased slightly from 29.43% as of March 31, 2011 to 22.87% as of March 31, 2012, resulting in a positive change of 22.28%.This indicates that the balance sheet and financial strength for The Harbor Bank of Maryland has improved slightly in recent periods. Deposit Growth In the past year, The Harbor Bank of Maryland has decreased its total deposits by -$32.56 million, resulting in -13.71% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Harbor Bank of Maryland has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Harbor Bank of Maryland has $239.21 million in assets with $30.5 million in equity, resulting in a capitalization level of 12.75%, which is excellent.

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