Bank · FDIC insured
The Harbor Bank of Maryland
A $383.2M bank headquartered in Baltimore, MD, with 7 branches in Maryland. Best rates: savings 0.05% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.04%CD rates →
- Savings610.05%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The Harbor Bank of Maryland
The Harbor Bank of Maryland is a minority-owned community bank and FDIC-designated Minority Depository Institution founded in Baltimore, Maryland, in 1982.
Established to provide trusted financial services to Baltimore communities when Black residents were underserved, the bank operates branches across the Baltimore metropolitan area and an office in Silver Spring.
- Headquarters
- 25 W Fayette St, Baltimore, MD 21201
- FDIC certificate
- 24015 ↗
Branches
7 branches in Maryland
Loading map…
Maryland
7 branches
Baltimore area · 6
- The Harbor Bank of MarylandMain office25 W Fayette St, Baltimore, MD 21201Directions
- Inner Harbor East Branch1000 Lancaster St Ste C, Baltimore, MD 21202Directions
- Northwood Branch1509 Havenwood Rd, Baltimore, MD 21218Directions
- Park Heights Branch5000 Park Heights Ave, Baltimore, MD 21215Directions
- Science & Technology Park East At Johns Hopkins Branch855 N Wolfe St, Baltimore, MD 21205Directions
- Liberty Plaza Branch8530 Liberty Rd, Randallstown, MD 21133Directions
Washington area · 1
- Silver Spring Branch1010 Wayne Ave Ste 100, Silver Spring, MD 20910Directions
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 | 12.36% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.89% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.37% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $71 | $81 | — |
- CapitalLeverage ratio12.36%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.89%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.37%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$71Peers’ 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 The Harbor Bank of Maryland are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.