Bank · FDIC insured
Harford Bank
A $776.6M bank headquartered in Aberdeen, MD, with 9 branches in Maryland. Best rates: CDs 4.10% and savings 0.25% APY.
Harford Bank Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#26 of 47 in Baltimore, MD metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Harford Bank
- Headquarters
- 8 W Bel Air Ave, Aberdeen, MD 21001
- FDIC certificate
- 19101 ↗
Branches
9 branches in Maryland
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Maryland
9 branches
Baltimore area · 7
- Harford BankMain office8 W Bel Air Ave, Aberdeen, MD 21001Directions
- Box Hill Branch2905 Emmorton Rd, Abingdon, MD 21009Directions
- Bel Air Branch505 S Main St, Bel Air, MD 21014Directions
- Hickory Branch1610 Conowingo Rd, Bel Air, MD 21014Directions
- Havre De Grace Branch960 Revolution St, Havre de Grace, MD 21078Directions
- Jarrettsville Branch Office3891jarrettsville Pike, Jarrettsville, MD 21084Directions
- Joppatowne Branch501 Riviera Dr, Joppatowne, MD 21085Directions
Philadelphia area · 2
- Elkton Branch133 N Bridge St, Elkton, MD 21921Directions
- Southfield Branch305 Augustine Herman Hwy, Elkton, MD 21921Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.95% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.91% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.09% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $84 | $81 | — |
- CapitalLeverage ratio9.95%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.91%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.09%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$84Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Harford Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.