| Metric | Harford Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.9% | +1.7 pts |
| Deposit growth (YoY) | +5.7% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +17.6% | +5.3% | +12.3 pts |
| ROA | 1.09% | 1.28% | -0.2 pts |
| ROE | 11.2% | 12.4% | -1.3 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $776.6M | $692.5M | $576.9M | $74.6M | $4.1M | 1.09% | 3.89% | 0.68% |
| Q1 2026 | $732.3M | $654.2M | $553.0M | $72.7M | $1.8M | 0.99% | 3.80% | 0.74% |
| Q4 2025 | $728.4M | $652.3M | $536.3M | $71.2M | $7.1M | 0.97% | 3.54% | 0.84% |
| Q3 2025 | $735.4M | $660.7M | $496.2M | $69.5M | $5.1M | 0.94% | 3.45% | 0.79% |
| Q2 2025 | $728.4M | $655.5M | $490.4M | $67.9M | $3.2M | 0.90% | 3.38% | 0.83% |
| Q1 2025 | $720.6M | $649.0M | $484.1M | $66.3M | $1.5M | 0.85% | 3.31% | 0.93% |
| Q4 2024 | $713.4M | $643.4M | $493.8M | $65.0M | $7.0M | 1.00% | 3.42% | 0.93% |
| Q3 2024 | $711.8M | $626.8M | $500.2M | $63.0M | $4.7M | 0.91% | 3.36% | 0.85% |
Loan mix (Q2 2026): real estate $500.7M · commercial $50.9M · consumer $24.5M · securities $103.7M
| Ratio | Harford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.28% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.4% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.5% | 61.2% | 45th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Harford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Harford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Harford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Harford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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