Harford Bank (HFBK)

Harford Bank Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	5.23	3.83	4.14	2.98	3.82	7.68
Investment Securities	53.26	58.3	67.98	75.78	71.01	29.53
Mortgage-Backed Securities	47.47	42.34	40.78	46.86	37.71	20
Total Investments	100.74	100.64	108.75	122.64	108.72	49.53
Gross Loans	496.68	499.82	508.22	429	369.23	367.57
Allowance for Loan Losses	-6.01	-5.71	-5.71	-4.7	-5.08	-5.12
Other Adjustments to Gross Loans	-0.31	-0.27	-0.26	-0.38	-1.13	-1.27
Net Loans	490.36	493.83	502.25	423.92	363.02	361.18
Property, Plant & Equipment	9.21	9.4	8.4	10.18	10.69	9.37
Other Intangible Assets	-	0	0	0.01	0.01	0.01
Accrued Interest Receivable	1.66	1.64	1.83	1.42	1.36	1.38
Other Receivables	-	0.04	-	0.15	0.01	-
Restricted Cash	110.61	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	10.1	8.11	8.05	7.41	7.66	7.44
Total Assets	728.41	713.43	665.62	595.47	575.18	485.95
Interest Bearing Deposits	433.37	424.75	365.52	365.82	329.2	268.93
Institutional Deposits	64.51	66.22	42.88	21.15	39.56	43.37
Non-Interest Bearing Deposits	157.61	152.38	145.92	151.55	153.56	125.52
Total Deposits	655.49	643.36	554.31	538.52	522.32	437.82
Short-Term Borrowings	-	-	31	-	-	-
Current Portion of Leases	0.12	0.25	-	0.17	-	-
Current Income Taxes Payable	-	-	0.77	-	-	0.56
Accrued Interest Payable	0.72	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	1.09	1.1	1.13	-	-	-
Other Long-Term Liabilities	1.99	1.89	1.53	2.45	2.65	1.65
Total Liabilities	660.49	648.4	606.65	541.42	525.63	440.75
Common Stock	15.03	14.93	14.78	14.7	14.51	14.34
Retained Earnings	34.44	31.92	26.32	21.67	17.67	13.8
Comprehensive Income & Other	18.45	18.18	17.86	17.67	17.37	17.06
Shareholders' Equity	67.92	65.03	58.96	54.05	49.55	45.2
Total Liabilities & Equity	728.41	713.43	665.62	595.47	575.18	485.95
Total Debt	1.19	1.31	48.2	0.36	0.53	0.52
Net Cash (Debt)	4.04	2.52	-41.8	5.16	6.12	8.91
Net Cash Growth	-	-	-	-15.69%	-31.27%	-
Net Cash Per Share	2.69	1.69	-28.11	3.51	4.23	6.20
Filing Date Shares Outstanding	1.5	1.49	1.48	1.47	1.45	1.43
Total Common Shares Outstanding	1.5	1.49	1.48	1.47	1.45	1.43
Book Value Per Share	45.20	43.55	39.92	36.76	34.14	31.52
Tangible Book Value	67.92	65.03	58.96	54.04	49.54	45.18
Tangible Book Value Per Share	45.20	43.55	39.91	36.75	34.14	31.51

Updated Mar 12, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.