Harford Bank Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	6.47	3.83	4.14	2.98	3.82	7.68
Investment Securities	50.67	58.3	67.98	75.78	71.01	29.53
Mortgage-Backed Securities	59.71	42.34	40.78	46.86	37.71	20
Total Investments	110.38	100.64	108.75	122.64	108.72	49.53
Gross Loans	502.54	499.82	508.22	429	369.23	367.57
Allowance for Loan Losses	-6.05	-5.71	-5.71	-4.7	-5.08	-5.12
Other Adjustments to Gross Loans	-0.29	-0.27	-0.26	-0.38	-1.13	-1.27
Net Loans	496.19	493.83	502.25	423.92	363.02	361.18
Property, Plant & Equipment	9.2	9.4	8.4	10.18	10.69	9.37
Other Intangible Assets	0.02	0	0	0.01	0.01	0.01
Accrued Interest Receivable	1.88	1.64	1.83	1.42	1.36	1.38
Other Receivables	-	0.04	-	0.15	0.01	-
Restricted Cash	100.17	93.73	27.86	25.47	78.62	47.92
Long-Term Deferred Tax Assets	-	1.75	1.61	0.98	0.99	1.04
Other Long-Term Assets	10.56	8.11	8.05	7.41	7.66	7.44
Total Assets	735.38	713.43	665.62	595.47	575.18	485.95
Interest Bearing Deposits	446.01	424.75	365.52	365.82	329.2	268.93
Institutional Deposits	67.09	66.22	42.88	21.15	39.56	43.37
Non-Interest Bearing Deposits	147.58	152.38	145.92	151.55	153.56	125.52
Total Deposits	660.68	643.36	554.31	538.52	522.32	437.82
Short-Term Borrowings	-	-	31	-	-	-
Current Portion of Leases	0.06	0.25	-	0.17	-	-
Current Income Taxes Payable	-	-	0.77	-	-	0.56
Accrued Interest Payable	0.8	0.74	0.71	0.09	0.13	0.2
Federal Home Loan Bank Debt, Long-Term	-	-	17	-	-	-
Long-Term Leases	1.07	1.06	0.2	0.19	0.53	0.52
Pension & Post-Retirement Benefits	1.06	1.1	1.13	-	-	-
Other Long-Term Liabilities	2.17	1.89	1.53	2.45	2.65	1.65
Total Liabilities	665.85	648.4	606.65	541.42	525.63	440.75
Common Stock	15.05	14.93	14.78	14.7	14.51	14.34
Retained Earnings	35.96	31.92	26.32	21.67	17.67	13.8
Comprehensive Income & Other	18.52	18.18	17.86	17.67	17.37	17.06
Shareholders' Equity	69.53	65.03	58.96	54.05	49.55	45.2
Total Liabilities & Equity	735.38	713.43	665.62	595.47	575.18	485.95
Total Debt	1.13	1.31	48.2	0.36	0.53	0.52
Net Cash (Debt)	5.34	2.52	-41.8	5.16	6.12	8.91
Net Cash Growth	-	-	-	-15.69%	-31.27%	-
Net Cash Per Share	3.54	1.69	-28.11	3.51	4.23	6.20
Filing Date Shares Outstanding	1.51	1.49	1.48	1.47	1.45	1.43
Total Common Shares Outstanding	1.51	1.49	1.48	1.47	1.45	1.43
Book Value Per Share	46.19	43.55	39.92	36.76	34.14	31.52
Tangible Book Value	69.51	65.03	58.96	54.04	49.54	45.18
Tangible Book Value Per Share	46.18	43.55	39.91	36.75	34.14	31.51

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.