Harford Bank

Overview / Commentary

www.harfordbank.com

410-272-5000

8 West Belair Avenue
Aberdeen, MD 21001

Harford Bank is headquartered in ABERDEEN and is the 17^th largest bank in the state of Maryland. It is also the 1,438^th largest bank in the nation. It was established in 1964 and as of June of 2023, it had grown to 89 employees at 10 locations. Harford Bank's money market rates are 10X the national average, and it has a B health rating.

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Health

Data as of Q2 2023

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Health Grade Components

Overall
FDIC Certificate #	19101
Year Established	1964
Employees	89
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.94%
Return on Equity - YTD	10.44%
Annual Interest Income	$12.4MM

Assets and Liabilities
Assets	Q2 2023vs Q2 2022	$626.3MM$610.6MM
Loans	Q2 2023vs Q2 2022	$467.1MM$370.5MM
Deposits	Q2 2023vs Q2 2022	$538.3MM$557.0MM
Equity Capital	Q2 2023vs Q2 2022	$55.9MM$51.2MM
Loan Loss Allowance	Q2 2023vs Q2 2022	$5.4MM$5.0MM
Unbacked Noncurrent Loans	Q2 2023vs Q2 2022	$6.7MM$7.6MM
Real Estate Owned	Q2 2023vs Q2 2022	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	Regular Statement Savings Account
0.06%	-	-	Commercial Statement Savings Account

Harford Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%^*	$5m^*	-	Community Money Market Account
OTHER TIERS: 0.20% → $1 - $10k \| 0.25% → $10k - $25k \| 0.35% → $25k - $50k \| 0.60% → $50k - $100k \| 0.90% → $100k - $250k \| 1.15% → $250k - $500k \| 1.25% → $500k - $1m \| 2.00% → $1m - $5m
4.25%^*	$5m^*	-	Commercial Money Market
OTHER TIERS: 0.20% → Up to $2.5k \| 0.25% → $2.5k - $25k \| 0.35% → $25k - $50k \| 0.50% → $50k - $100k \| 0.80% → $100k - $250k \| 1.00% → $250k - $500k \| 1.20% → $500k - $1m \| 2.00% → $1m - $5m

Harford Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.12%^*	$100k^*	-	Premium Commercial Checking
OTHER TIERS: 0.05% → $35k - $50k \| 0.08% → $50k - $100k
0.12%	-	-	IOLTA
0.12%	-	-	MAHT
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

APY	MIN	MAX	ACCOUNT NAME
5.35%	$1k	$100k	9 Month CD Special
5.35%	$1k	$100k	Business 9 Month CD Special
5.10%	$1k	-	6 Month CD Special - New Money
5.10%	$1k	-	Business 6 Month CD Special - New Money
5.00%	$1k	-	13 Month CD
5.00%	$1k	-	Business 13 Month CD
4.00%	$5k	-	21 Month CD – New Money
4.00%	$5k	-	Business 21 Month CD - New Money
3.05%	$1k	$100k	12 Month CD
3.05%	$1k	$100k	18 Month CD
3.05%	$1k	$100k	Business 12 Month CD
3.05%	$1k	$100k	Business 18 Month CD
3.00%	$1k	-	24 Month CD
3.00%	$1k	-	Business 24 Month CD
2.85%	$1k	$100k	60 Month CD
2.85%	$1k	$100k	Business 60 Month CD
2.75%	$1k	$100k	15 Month CD
2.75%	$1k	$100k	23 Month Step-up CD
2.75%	$1k	$100k	48 Month Step-up CD
2.75%	$1k	$100k	Business 15 Month CD
2.75%	$1k	$100k	Business 23 Month Step-up CD
2.75%	$1k	$100k	Business 48 Month Step-up CD
2.75%	$1k	-	Business 42 Month CD
2.75%	$1k	-	42 Month CD
2.60%	$1k	-	36 Month CD
2.60%	$1k	-	Business 36 Month CD
2.50%	$1k	$100k	30 Month CD
2.50%	$1k	$100k	Business 30 Month CD
0.95%	$1k	-	Business 91 Day CD
0.95%	$1k	-	91 Day CD
0.20%	$1k	-	Business 31 Day CD
0.20%	$1k	-	31 Day CD

Harford Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
5.35%	$250	-	9 Month IRA Special
5.10%	$1k	-	6 Month IRA Special
5.00%	$250	-	13 Month IRA
3.05%	$250	$100k	12 Month IRA
3.05%	$250	$100k	18 Month IRA
3.00%	$250	-	24 Month IRA
2.85%	$250	$100k	60 Month IRA
2.75%	$250	$100k	15 Month IRA
2.75%	$250	$100k	23 Month Step-up IRA
2.75%	$250	$100k	48 Month Step-up IRA
2.60%	$250	-	36 Month IRA
2.50%	$250	$100k	30 Month IRA

Locations

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

Aberdeen Branches
Harford Bank	8 W Bel Air Ave	Aberdeen, MD 21001

Abingdon Branches
Box Hill Branch	2905 Emmorton Road	Abingdon, MD 21009

Bel Air Branches
Hickory Branch	1610 Conowingo Road	Bel Air, MD 21014
Bel Air Branch	505 South Main Street	Bel Air, MD 21014
Marketplace Drive Branch	545 Marketplace Drive	Bel Air, MD 21014

Elkton Branches
Elkton Branch	133 N. Bridge Street	Elkton, MD 21921
Southfield Branch	305 Augustine Herman Highway	Elkton, MD 21921

Havre De Grace Branches
Havre De Grace Branch	960 Revolution Street	Havre De Grace, MD 21078

Jarrettsville Branches
Jarrettsville Branch Office	3891jarrettsville Pike	Jarrettsville, MD 21084

Joppatowne Branches
Joppatowne Branch	501 Riviera Drive	Joppatowne, MD 21085

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