The Harbor Bank of Maryland

Headquarters: Baltimore, Maryland
Charter: Bank
Assets: $383.2M
Fed district: Richmond
Regulator: FDIC
Holding company: Harbor Bankshares Corp.

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 10, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 10, 2026

How these figures are measured

Call-report figures are for The Harbor Bank of Maryland at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	The Harbor Bank of Maryland's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: The Harbor Bank of Maryland (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $50K in Q2 2026, 7.4% below the same quarter a year earlier ($54K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
NOW Account $3 to $50 · Harbor Bank Smart Account $15
Compared at $15, the middle of its prices
The Harbor Bank of Maryland: $3 to $50
The Harbor Bank of Maryland: $3 to $50
U.S. median: no median
Overdraft (OD)
The Harbor Bank of Maryland: $35
The Harbor Bank of Maryland: $35
U.S. median: no median
NSF / Returned Item
The Harbor Bank of Maryland: $35
The Harbor Bank of Maryland: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 22% from Q3 2025 to Q2 2026, to $50K.

Service-charge income, Q2 2026

$50K

$64KQ3 2025

$71KQ4 2025

$71KQ1 2026

$50KQ2 2026

Against the median

The Harbor Bank of MarylandMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

The Harbor Bank of Maryland · $383M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$375M to $392M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The Harbor Bank of Maryland(this institution)	Baltimore, MD	$383M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
5Star Bank	Colorado Springs, CO	$378M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
American Community Bank of Indiana	Saint John, IN	$383M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BankGloucester	Gloucester, MA	$387M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Central Bank	Tampa, FL	$387M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Earlham Savings Bank	West Des Moines, IA	$383M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
ESB Financial	Emporia, KS	$381M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers State Bank	Center, TX	$391M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of Clarksdale	Clarksdale, MS	$386M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First State Bank	Lynnville, IA	$384M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Georgia Community Bank	Albany, GA	$375M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Great Plains State Bank	Petersburg, NE	$392M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Merchants & Planters' Bank	Newport, AR	$379M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Municipal Trust and Savings Bank	Bourbonnais, IL	$382M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Valley Bank & Trust	Springfield, MA	$385M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Pinnacle Bank	Jasper, AL	$385M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
RockPointBank, National Association	Chattanooga, TN	$384M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sandhills State Bank	North Platte, NE	$383M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Fahey Banking Company	Marion, OH	$385M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Farmers Bank of Appomattox	Appomattox, VA	$375M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First Citizens National Bank of Upper Sandusky	Upper Sandusky, OH	$390M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Fisher National Bank	Fisher, IL	$376M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
THE HOME LOAN SAVINGS BANK	Coshocton, OH	$387M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Peoples Community Bank	Mazomanie, WI	$389M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
United Roosevelt Savings Bank	Carteret, NJ	$381M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Universal Bank	West Covina, CA	$388M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $8.50 (131%) above the median of similar-sized banks.

Compared at $15, the middle of its five prices, against a peer median of $6.50 among 15 publishing peers.

Its five checking prices are $3, $15, $15, $25 and $50.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

The Harbor Bank of Maryla…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The Harbor Bank of Maryland (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $50K
vs prior quarter: −$21K−29.6%; from Q1 2026
vs a year earlier: −$4K−7.4%; from Q2 2025
vs start of range: −$7K−12.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The Harbor Bank of Maryland (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$50K	−$21K	−29.6%
Q1 2026	$71K	$0	0.0%
Q4 2025	$71K	+$7K	+10.9%
Q3 2025	$64K	+$10K	+18.5%
Q2 2025	$54K	+$2K	+3.8%
Q1 2025	$52K	−$14K	−21.2%
Q4 2024	$66K	+$9K	+15.8%
Q3 2024	$57K	+$2K	+3.6%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The Harbor Bank of Maryland’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$3
per month · avoid imposition of fees - A monthly fee of $3.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month
Service charge (balance falls below $1,000.00)$15
Service charge fee$50
per month
Service charge fee$25
per month
Service charge fee$15
per month
Service charge fee (balance falls below $1,000.00)$15
per month
Account closed within 90 days of opening$25
Account closed within 90 days of opening (Other Accounts)$15
one time
Dormant account with balance of $50.00 or more$1.65
Account research$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned mail$5
per month

Overdraft & NSF

Overdraft - all overdrafts paid on a day$35
per item
Savings account overdraft$35
per item
Nonsufficient funds (NSF) Bill Pay$35
Nonsufficient funds (NSF) uncollected funds$35
per item

ATM & Card

ATM cash withdrawal (at ATMs we do not own or operate)$2.50
Charge at ATMs we do not own or operate$1.50
Replace lost ATM card (after second request)$5
International Service Assessment1%of the transaction

Wire Transfers

Domestic wire transfer - Outgoing$25
Domestic wire transfer - Incoming$15
Foreign wire transfer - Outgoing$50
Foreign wire transfer - Incoming$30

Check Services

Cashier's checks$20
Money orders$5
Stop payments$35
per item
Stop payments - ACH payments$35
Counter checks$1
per item
Collection items (incoming and outgoing)$20
per item

Cash & Deposit

Deposited checks (and other items) returned unpaid$12
Lost night depository key$20

Account Services

Lost safe deposit box key$65
Not compared: Box drilling or key fee
Garnishments$200
Levies$200
Account verifications$10
per item

Retirement & IRA

IRA transfer$25

Other Fees

Fax statement$6
Photocopies$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$3	per month	avoid imposition of fees - A monthly fee of $3.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month
Service charge (balance falls below $1,000.00)	$15	Not stated	None
Service charge fee	$50	per month	None
Service charge fee	$25	per month	None
Service charge fee	$15	per month	None
Service charge fee (balance falls below $1,000.00)	$15	per month	None
Account closed within 90 days of opening	$25	Not stated	None
Account closed within 90 days of opening (Other Accounts)	$15	one time	None
Dormant account with balance of $50.00 or more	$1.65	Not stated	None
Account research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned mail	$5	per month	None
Overdraft & NSF
Overdraft - all overdrafts paid on a day	$35	per item	None
Savings account overdraft	$35	per item	None
Nonsufficient funds (NSF) Bill Pay	$35	Not stated	None
Nonsufficient funds (NSF) uncollected funds	$35	per item	None
ATM & Card
ATM cash withdrawal (at ATMs we do not own or operate)	$2.50	Not stated	None
Charge at ATMs we do not own or operate	$1.50	Not stated	None
Replace lost ATM card (after second request)	$5	Not stated	None
International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
Domestic wire transfer - Outgoing	$25	Not stated	None
Domestic wire transfer - Incoming	$15	Not stated	None
Foreign wire transfer - Outgoing	$50	Not stated	None
Foreign wire transfer - Incoming	$30	Not stated	None
Check Services
Cashier's checks	$20	Not stated	None
Money orders	$5	Not stated	None
Stop payments	$35	per item	None
Stop payments - ACH payments	$35	Not stated	None
Counter checks	$1	per item	None
Collection items (incoming and outgoing)	$20	per item	None
Cash & Deposit
Deposited checks (and other items) returned unpaid	$12	Not stated	None
Lost night depository key	$20	Not stated	None
Account Services
Lost safe deposit box key	$65Not compared: Box drilling or key fee	Not stated	None
Garnishments	$200	Not stated	None
Levies	$200	Not stated	None
Account verifications	$10	per item	None
Retirement & IRA
IRA transfer	$25	Not stated	None
Other Fees
Fax statement	$6	Not stated	None
Photocopies	$2	per item	None

Correct a fee source

Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where The Harbor Bank of Maryland operates, and what regulators and customers have on file.

Market position

In Baltimore-Columbia-Towson, MD, The Harbor Bank of Maryland holds 0.3% of bank deposits, #24 of 40, with 6 offices.

Compare fees with the 52 Baltimore-Columbia-Towson, MD banks and credit unions in its home-metro peer set →

Offices in the metro

630 offices of 67 institutions shown.

The Harbor Bank of MarylandOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Baltimore-Columbia-Towson, MD metro (FDIC metro code 12580), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 12 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Bank of America, National Association29.3%
2Manufacturers and Traders Trust Company20.3%
3Truist Bank10.3%
4PNC Bank, National Association10.2%
5Wells Fargo Bank, National Association7.0%
6CFG Bank4.8%
7First National Bank of Pennsylvania3.0%
8Atlantic Union Bank2.1%
24The Harbor Bank of Maryland0.3%

9 of 40 institutions shown. $106.1B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Baltimore-Columbia-Towson, MD metro (FDIC metro code 12580)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.3% share, 6 offices, #24 of 40

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Baltimore-Columbia-Towson, MD metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

126 offices of 28 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

1 past action

Past

Written AgreementJuly 22, 2010
Federal Reserve, against the holding company, Harbor Bankshares Corporation. Ended April 26, 2013 · Order

Source: public enforcement action lists from the Federal Reserve and Maryland Office of Financial Regulation, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

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