Harford Bank Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	3.44	4.01	3.83	4.14	2.98	3.82
Investment Securities	104.39	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	104.39	109.33	100.64	108.75	122.64	108.72
Gross Loans	559.9	543.45	499.82	508.22	429	369.23
Allowance for Loan Losses	-6.93	-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	552.97	536.34	493.83	502.25	423.92	363.02
Property, Plant & Equipment	7.94	9.26	9.4	8.4	10.18	10.69
Other Intangible Assets	-	0.01	0	0	0.01	0.01
Accrued Interest Receivable	2.04	1.98	1.64	1.83	1.42	1.36
Other Receivables	-	-	-	-	0.15	0.01
Restricted Cash	49.42	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	11.6	8.22	8.15	8.05	7.41	7.66
Total Assets	732.31	728.36	713.43	665.62	595.47	575.18
Interest Bearing Deposits	501.08	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	153.12	149.04	152.38	145.92	151.55	153.56
Total Deposits	654.2	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	0.8	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	1.04	1.05	1.1	1.13	-	-
Other Long-Term Liabilities	3.58	1.8	1.89	1.53	2.45	2.65
Total Liabilities	659.62	657.16	648.4	606.65	541.42	525.63
Common Stock	15.1	15.08	14.93	14.78	14.7	14.51
Retained Earnings	38.98	37.55	31.92	26.32	21.67	17.67
Comprehensive Income & Other	18.61	18.58	18.18	17.86	17.67	17.37
Shareholders' Equity	72.69	71.2	65.03	58.96	54.05	49.55
Total Liabilities & Equity	732.31	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)	3.44	2.79	2.52	-41.8	5.16	6.12
Net Cash Growth	5.78%	10.64%	-	-	-15.69%	-31.27%
Net Cash Per Share	2.27	1.85	1.69	-28.11	3.51	4.23
Filing Date Shares Outstanding	1.51	1.51	1.49	1.48	1.47	1.45
Total Common Shares Outstanding	1.51	1.51	1.49	1.48	1.47	1.45
Book Value Per Share	48.14	47.23	43.55	39.92	36.76	34.14
Tangible Book Value	72.69	71.19	65.03	58.96	54.04	49.54
Tangible Book Value Per Share	48.14	47.22	43.55	39.91	36.75	34.14

Source: S&P Global Market Intelligence. Banks template. Financial Sources.