Harford Bank Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	4.01	3.83	4.14	2.98	3.82
Investment Securities	46.31	58.3	67.98	75.78	71.01
Mortgage-Backed Securities	63.02	42.34	40.78	46.86	37.71
Total Investments	109.33	100.64	108.75	122.64	108.72
Gross Loans	543.45	499.82	508.22	429	369.23
Allowance for Loan Losses	-6.66	-5.71	-5.71	-4.7	-5.08
Other Adjustments to Gross Loans	-0.45	-0.27	-0.26	-0.38	-1.13
Net Loans	536.34	493.83	502.25	423.92	363.02
Property, Plant & Equipment	9.26	9.4	8.4	10.18	10.69
Other Intangible Assets	0.01	0	0	0.01	0.01
Accrued Interest Receivable	1.98	1.64	1.83	1.42	1.36
Other Receivables	-	-	-	0.15	0.01
Restricted Cash	56.76	93.73	27.86	25.47	78.62
Long-Term Deferred Tax Assets	1.95	1.75	1.61	0.98	0.99
Other Long-Term Assets	8.22	8.15	8.05	7.41	7.66
Total Assets	728.36	713.43	665.62	595.47	575.18
Interest Bearing Deposits	440.42	424.75	365.52	365.82	329.2
Institutional Deposits	62.88	66.22	42.88	21.15	39.56
Non-Interest Bearing Deposits	149.04	152.38	145.92	151.55	153.56
Total Deposits	652.35	643.36	554.31	538.52	522.32
Short-Term Borrowings	-	-	31	-	-
Current Portion of Leases	0.28	-	-	0.17	-
Current Income Taxes Payable	-	-	0.77	-	-
Accrued Interest Payable	0.75	0.74	0.71	0.09	0.13
Federal Home Loan Bank Debt, Long-Term	-	-	17	-	-
Long-Term Leases	0.94	1.31	0.2	0.19	0.53
Pension & Post-Retirement Benefits	1.05	1.1	1.13	-	-
Other Long-Term Liabilities	1.8	1.89	1.53	2.45	2.65
Total Liabilities	657.16	648.4	606.65	541.42	525.63
Common Stock	15.08	14.93	14.78	14.7	14.51
Retained Earnings	37.55	31.92	26.32	21.67	17.67
Comprehensive Income & Other	18.58	18.18	17.86	17.67	17.37
Shareholders' Equity	71.2	65.03	58.96	54.05	49.55
Total Liabilities & Equity	728.36	713.43	665.62	595.47	575.18
Total Debt	1.22	1.31	48.2	0.36	0.53
Net Cash (Debt)	2.79	2.52	-41.8	5.16	6.12
Net Cash Growth	10.64%	-	-	-15.69%	-31.27%
Net Cash Per Share	1.85	1.69	-28.11	3.51	4.23
Filing Date Shares Outstanding	1.51	1.49	1.48	1.47	1.45
Total Common Shares Outstanding	1.51	1.49	1.48	1.47	1.45
Book Value Per Share	47.23	43.55	39.92	36.76	34.14
Tangible Book Value	71.19	65.03	58.96	54.04	49.54
Tangible Book Value Per Share	47.22	43.55	39.91	36.75	34.14

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.