Harford Bank (HFBK)

Harford Bank Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	3.83	4.01	3.83	4.14	2.98	3.82
Investment Securities	44.31	46.31	58.3	67.98	75.78	71.01
Mortgage-Backed Securities	62.85	63.02	42.34	40.78	46.86	37.71
Total Investments	107.16	109.33	100.64	108.75	122.64	108.72
Gross Loans	584.67	543.45	499.82	508.22	429	369.23
Allowance for Loan Losses	-7.21	-6.66	-5.71	-5.71	-4.7	-5.08
Other Adjustments to Gross Loans	-0.54	-0.45	-0.27	-0.26	-0.38	-1.13
Net Loans	576.92	536.34	493.83	502.25	423.92	363.02
Property, Plant & Equipment	9.64	9.26	9.4	8.4	10.18	10.69
Other Intangible Assets	0.02	0.01	0	0	0.01	0.01
Accrued Interest Receivable	2.01	1.98	1.64	1.83	1.42	1.36
Other Receivables	-	-	-	-	0.15	0.01
Restricted Cash	66.14	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	10.41	8.22	8.15	8.05	7.41	7.66
Total Assets	776.63	728.36	713.43	665.62	595.47	575.18

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	452.7	440.42	424.75	365.52	365.82	329.2
Institutional Deposits	73.62	62.88	66.22	42.88	21.15	39.56
Non-Interest Bearing Deposits	166.2	149.04	152.38	145.92	151.55	153.56
Total Deposits	692.52	652.35	643.36	554.31	538.52	522.32
Short-Term Borrowings	-	-	-	31	-	-
Current Portion of Leases	0.18	0.28	-	-	0.17	-
Current Income Taxes Payable	-	-	-	0.77	-	-
Accrued Interest Payable	0.78	0.75	0.74	0.71	0.09	0.13
Federal Home Loan Bank Debt, Long-Term	-	-	-	17	-	-
Long-Term Leases	1.64	0.94	1.31	0.2	0.19	0.53
Pension & Post-Retirement Benefits	1.02	1.05	1.1	1.13	-	-
Other Long-Term Liabilities	5.88	1.8	1.89	1.53	2.45	2.65
Total Liabilities	702.02	657.16	648.4	606.65	541.42	525.63

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	15.13	15.08	14.93	14.78	14.7	14.51
Retained Earnings	40.85	37.55	31.92	26.32	21.67	17.67
Comprehensive Income & Other	18.63	18.58	18.18	17.86	17.67	17.37
Shareholders' Equity	74.61	71.2	65.03	58.96	54.05	49.55
Total Liabilities & Equity	776.63	728.36	713.43	665.62	595.47	575.18

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	1.82	1.22	1.31	48.2	0.36	0.53
Net Cash (Debt)	2	2.79	2.52	-41.8	5.16	6.12
Net Cash Growth	-50.42%	10.64%	-	-	-15.69%	-31.27%
Net Cash Per Share	1.32	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	49.31	47.23	43.55	39.92	36.76	34.14
Tangible Book Value	74.59	71.19	65.03	58.96	54.04	49.54
Tangible Book Value Per Share	49.30	47.22	43.55	39.91	36.75	34.14

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 25, 2026

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