HARBOR BANKSHARES CORP is the bank holding company. THE HARBOR BANK OF MARYLAND is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

HARBOR BANKSHARES CORP

Legal name: HARBOR BANKSHARES CORPORATION

1 active bank · $382M combined assets

RSSD ID: 2008130 (FFIEC NIC)

Combined Assets

$382M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE HARBOR BANK OF MARYLANDBALTIMORE, MDSatisfactory$382MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$382M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$329M

Net Income

$570K

ROA (avg)

0.6%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2019Lender rankings →

Aggregated HMDA data across all active charters for 2019.

Applications

Origination Rate

63.64%

Denial Rate

27.27%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE HARBOR BANK OF MARYLAND	BALTIMORE, MD	FDIC	$382M	100.0%	Satisfactory	Jun 2021

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.