Harford Bank

Overview / Commentary
8 West Belair Avenue
Aberdeen, MD 21001

Harford Bank is headquartered in Aberdeen and is the 18th largest bank in the state of Maryland. It is also the 1,476th largest bank in the nation. It was established in 1964 and as of June of 2022, it had grown to 88 employees at 10 locations. Harford Bank has a B+ health rating.


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Health Grade Components

FDIC Certificate #19101
Year Established1964
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD7.95%
Annual Interest Income$9.1MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$610.6MM$519.4MM
LoansQ2 2022vs Q2 2021$370.5MM$375.3MM
DepositsQ2 2022vs Q2 2021$557.0MM$468.9MM
Equity CapitalQ2 2022vs Q2 2021$51.2MM$47.6MM
Loan Loss AllowanceQ2 2022vs Q2 2021$5.0MM$5.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$7.6MM$5.7MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Harford Bank Savings Account Rates

0.15%--Regular Statement Savings Account
0.06%--Commercial Statement Savings Account

Harford Bank Money Market Rates

0.17%*$50k*-Community Money Market Account
OTHER TIERS: 0.08% Up to $2.5k | 0.10% $2.5k - $25k | 0.12% $25k - $50k
0.12%*$100k*-Commercial Money Market
OTHER TIERS: 0.04% Up to $2.5k | 0.05% $2.5k - $50k | 0.08% $50k - $100k

Harford Bank Checking Account Rates

0.12%*$100k*-Premium Commercial Checking
OTHER TIERS: 0.05% $35k - $50k | 0.08% $50k - $100k
0.05%--Community Checking Premier Plus
0.02%$100-Community Checking Premier
0.02%--Select Checking (Sole Proprietors & Non Profit Organizations Only)

Harford Bank CD Rates

1.00%$1k-Business 42 Month CD
1.00%$1k-42 Month CD
0.65%$1k$100k60 Month CD
0.65%$1k$100kBusiness 60 Month CD
0.60%$1k$100k48 Month Step-up CD
0.60%$1k$100kBusiness 48 Month Step-up CD
0.50%$1k$100k30 Month CD
0.50%$1k-24 Month CD
0.50%$1k-36 Month CD
0.50%$1k$100kBusiness 30 Month CD
0.50%$1k-Business 36 Month CD
0.50%$1k-Business 24 Month CD
0.50%$1k-13 Month CD
0.50%$1k-Business 13 Month CD
0.40%$1k$100k23 Month Step-up CD
0.40%$1k$100kBusiness 23 Month Step-up CD
0.40%$5k-21 Month CD – New Money
0.40%$1k-Business 21 Month Flexible CD
0.35%$1k$100k12 Month CD
0.35%$1k$100kBusiness 12 Month CD
0.30%$1k$100k15 Month CD
0.30%$1k$100k18 Month CD
0.30%$1k$100kBusiness 15 Month CD
0.30%$1k$100kBusiness 18 Month CD
0.20%$1k$100k6 Month CD
0.20%$1k$100k9 Month CD
0.20%$1k$100kBusiness 6 Month CD
0.20%$1k$100kBusiness 9 Month CD
0.07%$1k-Business 91 Day CD
0.07%$1k-91 Day CD
0.05%$1k-Business 31 Day CD
0.05%$1k-31 Day CD

Harford Bank IRA Rates

0.65%$250$100k60 Month IRA
0.60%$250$100k48 Month Step-up IRA
0.50%$250$100k30 Month IRA
0.50%$250-24 Month IRA
0.50%$250-36 Month IRA
0.50%$250-13 Month IRA
0.40%$250$100k23 Month Step-up IRA
0.40%$5k-21 Month IRA – New Money
0.35%$250$100k12 Month IRA
0.30%$250$100k15 Month IRA
0.30%$250$100k18 Month IRA
0.20%$250$100k6 Month IRA
0.20%$250$100k9 Month IRA

Cities: Aberdeen, Abingdon, Bel Air, Elkton, Havre De Grace, Jarrettsville, Joppatowne

Aberdeen Branches
Harford Bank8 W Bel Air AveAberdeen, MD 21001

Abingdon Branches
Box Hill Branch2905 Emmorton RoadAbingdon, MD 21009

Bel Air Branches
Hickory Branch1610 Conowingo RoadBel Air, MD 21014
Bel Air Branch505 South Main StreetBel Air, MD 21014
Marketplace Drive Branch545 Marketplace DriveBel Air, MD 21014

Elkton Branches
Elkton Branch133 N. Bridge StreetElkton, MD 21921
Southfield Branch305 Augustine Herman HighwayElkton, MD 21921

Havre De Grace Branches
Havre De Grace Branch960 Revolution StreetHavre De Grace, MD 21078

Jarrettsville Branches
Jarrettsville Branch Office3891jarrettsville PikeJarrettsville, MD 21084

Joppatowne Branches
Joppatowne Branch501 Riviera DriveJoppatowne, MD 21085

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