Harford Bank

Overview / Commentary
8 West Belair Avenue
Aberdeen, MD 21001

Harford Bank is headquartered in Aberdeen and is the 19th largest bank in the state of Maryland. It is also the 1,747th largest bank in the nation. It was established in 1964 and as of June of 2020, it had grown to 76 employees at 9 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 - YTD0.5%
Return on Equity - YTD4.74%
Annual Interest Income$8.3MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$454.5MM$367.9MM
LoansQ2 2020vs Q2 2019$365.9MM$278.7MM
DepositsQ2 2020vs Q2 2019$389.2MM$301.6MM
Equity CapitalQ2 2020vs Q2 2019$43.4MM$41.3MM
Loan Loss AllowanceQ2 2020vs Q2 2019$4.8MM$3.1MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$5.4MM$5.5MM
Real Estate OwnedQ2 2020vs Q2 2019$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%$100-Regular Statement Savings Account
0.08%$100-Commercial Statement Savings Account

Harford Bank Money Market Rates

0.25%*$50k*-Community Money Market Account
OTHER TIERS: 0.10% Up to $2.5k | 0.15% $2.5k - $20k | 0.20% $20k - $50k
0.17%*$100k*-Commercial Money Market
OTHER TIERS: 0.08% Up to $50k | 0.12% $50k - $100k

Harford Bank Checking Account Rates

0.17%*$100k*-Premium Commercial Checking
OTHER TIERS: 0.08% $35k - $50k | 0.12% $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

0.75%$1k$100k60 Month CD
0.75%$1k$100kBusiness 60 Month CD
0.65%$5k-21 Month CD – New Money
0.65%$5k-Business 21 Month Flexible CD
0.60%$1k$100k48 Month Step-up CD
0.60%$1k$100kBusiness 48 Month Step-up CD
0.55%$1k$100k23 Month Step-up CD
0.55%$1k-24 Month CD
0.55%$1k$100kBusiness 23 Month Step-up CD
0.55%$1k-Business 24 Month CD
0.55%$1k-Business 42 Month CD
0.55%$1k-42 Month CD
0.50%$1k$100k30 Month CD
0.50%$1k-36 Month CD
0.50%$1k$100kBusiness 30 Month CD
0.50%$1k-Business 36 Month CD
0.45%$1k$100k18 Month CD
0.45%$1k$100kBusiness 18 Month CD
0.45%$1k-13 Month CD
0.45%$1k-Business 13 Month CD
0.40%$1k$100k12 Month CD
0.40%$1k$100k15 Month CD
0.40%$1k$100kBusiness 12 Month CD
0.40%$1k$100kBusiness 15 Month CD
0.25%$1k$100k9 Month CD
0.25%$1k$100kBusiness 9 Month CD
0.20%$1k$100k6 Month CD
0.20%$1k$100kBusiness 6 Month CD
0.10%$1k-Business 91 Day CD
0.10%$1k-91 Day CD
0.05%$1k-Business 31 Day CD
0.05%$1k-31 Day CD

Harford Bank IRA Rates

0.75%$250$100k60 Month IRA
0.65%$5k-21 Month IRA – New Money
0.60%$250$100k48 Month Step-up IRA
0.55%$250$100k23 Month Step-up IRA
0.55%$250-24 Month IRA
0.55%$250-42 Month IRA
0.50%$250$100k30 Month IRA
0.50%$250-36 Month IRA
0.45%$250$100k18 Month IRA
0.45%$250-13 Month IRA
0.40%$250$100k12 Month IRA
0.40%$250$100k15 Month IRA
0.25%$250$100k9 Month IRA
0.20%$250$100k6 Month IRA

Harford Bank Locations
Elkton Branch133 N. Bridge StreetElkton, MD 21921
Hickory Branch1610 Conowingo RoadBel Air, MD 21014
Box Hill Branch2905 Emmorton RoadAbingdon, MD 21009
Joppatowne Branch501 Riviera DriveJoppatowne, MD 21085
Bel Air Branch505 South Main StreetBel Air, MD 21014
Marketplace Drive Branch545 Marketplace DriveBel Air, MD 21014
Harford Bank8 West Bel Air AvenueAberdeen, MD 21001
Havre De Grace Branch960 Revolution StreetHavre De Grace, MD 21078
Southfield Branch305 Augustine Herman HighwayElkton, MD 21921

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