45.00
+0.47%
Close of 9 Nov 2026, in USD
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About Harford Bank
Its shares trade under the ticker HFBK. It has been listed since 27 October 1993. In the fiscal year to 31 December 2025, it reported revenue before interest expense of $38.1m and net income of $7.1m. At that date it held total assets of $729.3m and shareholders' equity of $71.2m.
Harford Bank (the Bank) provides a full range of banking services. The company is headquartered in Aberdeen, Maryland. The Bank operates eight banking offices in Harford County, Maryland, and two banking offices in Cecil County, Maryland, with the Bank’s main office located in Aberdeen, Maryland. The Bank is engaged in a general commercial and retail banking business serving individuals, businesses and governmental units in Harford County, Maryland and neighboring counties. The company offers deposit services to consumers and commercial entities customary for a state-chartered community bank, including checking accounts, savings accounts, money market accounts, and time deposits consisting of certificates of deposit of various types. Its other banking services include mobile banking, drive-through banking services, automated teller machine services, on-line banking with bill payment, cash management services, commercial account remote deposit capture, safe deposit boxes, direct deposit of payroll and social security checks, and ACH origination.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 27 Oct 1993
- Employees
- 87
- Website
- harfordbank.com ↗
Leadership
Pay as last reported
- Mr. John KarasChairman of the Board
- Mr. Michael AllenPresident, Director
- Ms. Lorrie SchenningExecutive Vice President, Chief Lending Officer
- Mr. Scott ElliottSenior Vice President, Business Development Officer
- Mr. Jeffery LongSenior Vice President, Business Development Officer
- Ms. Lisa BairAssistant Vice President, Business Development Officer
- Mr. Tony BennettDirector
- Mr. Daniel DriverDirector
- Ms. Carolyn EvansDirector
- Mr. Richard FoardDirector
- Mr. Jeffrey FoulkDirector
- Ms. Stephanie HauDirector
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Harford Bank operates eight offices in Harford County with two in Cecil County, Maryland.
- The Bank provides full banking services including mobile and online banking for customers.
- Harford Bank employs 87 full-time staff serving local communities in Maryland.
Weaknesses
- Harford Bank has limited presence with only eight offices in Harford County, Maryland.
- The Bank serves only Harford and Cecil Counties, restricting its market reach.
- Harford Bank's employee count of 87 is small for a regional bank.
Opportunities
- Harford Bank could expand services to neighboring counties beyond Harford and Cecil.
- The Bank may grow by offering more digital banking features to attract younger customers.
- Harford Bank can increase deposits through targeted marketing in Maryland communities.
Threats
- Harford Bank faces competition from larger banks in Maryland with more branches.
- Economic downturns could reduce loan demand in Harford County, Maryland.
- Regulatory changes in the Financials sector might increase operational costs for the Bank.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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