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 28^th largest bank in the state of Maryland. It is also the 1,892^nd largest bank in the nation. It was established in 1964 and as of December of 2018, it had grown to 75 employees at 8 locations. Harford Bank's CD rates are 67% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	19101
Year Established	1964
Employees	75
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.9%
Return on Equity - YTD	8.35%
Annual Interest Income	$15.1MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$364.6MM$352.3MM
Loans	Q4 2018vs Q4 2017	$282.0MM$273.8MM
Deposits	Q4 2018vs Q4 2017	$296.7MM$281.4MM
Equity Capital	Q4 2018vs Q4 2017	$39.6MM$36.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$3.1MM$2.7MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$5.4MM$1.8MM
Real Estate Owned	Q4 2018vs Q4 2017	$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
0.15%	$100	-	Regular Statement Savings Account
0.08%	$100	-	Commercial Statement Savings Account

Harford Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$50k^*	-	Community Money Market Account
OTHER TIERS: 0.10% → Up to $2.5k \| 0.20% → $2.5k - $20k \| 0.30% → $20k - $50k
0.17%^*	$100k^*	-	Commercial Money Market
OTHER TIERS: 0.08% → Up to $50k \| 0.12% → $50k - $100k

Harford Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.17%^*	$100k^*	-	Premium Commercial Checking
OTHER TIERS: 0.08% → $35k - $50k \| 0.12% → $50k - $100k
0.17%	-	-	IOLTA
0.17%	-	-	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
2.90%	$1k	$100k	60 Month CD
2.85%	$1k	$100k	Business 60 Month CD
2.80%	$1k	-	Business 42 Month "Grand Re-opening" CD Special - New Money
2.60%	$5k	-	21 Month CD – New Money
2.60%	$5k	-	Business 21 Month CD – New Money
2.60%	$1k	-	42 Month "Grand Re-opening" CD Special - New Money
2.50%	$1k	-	Business 36 Month CD
2.25%	$1k	-	36 Month CD
2.25%	$1k	$100k	Business 30 Month CD
2.20%	$1k	-	13 Month CD
2.20%	$1k	-	Business 13 Month CD
2.05%	$1k	$100k	30 Month CD
2.00%	$1k	$100k	48 Month Step-up CD
2.00%	$1k	$100k	Business 48 Month Step-up CD
1.70%	$1k	-	24 Month CD
1.70%	$1k	-	Business 24 Month CD
1.60%	$1k	$100k	18 Month CD
1.60%	$1k	$100k	23 Month Step-up CD
1.60%	$1k	$100k	Business 18 Month CD
1.60%	$1k	$100k	Business 23 Month Step-up CD
1.55%	$1k	$100k	15 Month CD
1.55%	$1k	$100k	Business 15 Month CD
1.50%	$1k	$100k	12 Month CD
1.50%	$1k	$100k	Business 12 Month CD
0.75%	$1k	$100k	9 Month CD
0.75%	$1k	$100k	Business 9 Month CD
0.70%	$1k	$100k	6 Month CD
0.70%	$1k	$100k	Business 6 Month CD
0.25%	$1k	-	Business 91 Day CD
0.10%	$1k	-	Business 31 Day CD

Harford Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.90%	$250	$100k	60 Month IRA
2.60%	$5k	-	21 Month IRA – New Money
2.60%	$250	-	42 Month IRA Special - New Money Only
2.25%	$250	-	36 Month IRA
2.20%	$250	-	13 Month IRA
2.05%	$250	$100k	30 Month IRA
2.00%	$250	$100k	48 Month Step-up IRA
1.70%	$250	-	24 Month IRA
1.60%	$250	$100k	18 Month IRA
1.60%	$250	$100k	23 Month Step-up IRA
1.55%	$250	$100k	15 Month IRA
1.50%	$250	$100k	12 Month IRA
0.75%	$250	$100k	9 Month IRA
0.70%	$250	$100k	6 Month IRA

Locations

Harford Bank Locations
Elkton Branch	133 N. Bridge Street	Elkton, MD 21921
Hickory Branch	1610 Conowingo Road	Bel Air, MD 21014
Box Hill Branch	2905 Emmorton Road	Abingdon, MD 21009
Joppatowne Branch	501 Riviera Drive	Joppatowne, MD 21085
Bel Air Branch	505 South Main Street	Bel Air, MD 21014
Marketplace Drive Branch	545 Marketplace Drive	Bel Air, MD 21014
Harford Bank	8 West Bel Air Avenue	Aberdeen, MD 21001
Havre De Grace Branch	960 Revolution Street	Havre De Grace, MD 21078

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