Compared with Maryland
12 of 23
compared fees are above the median.
6 below, 5 about the same.
About the same: within 1% of the median.
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
20th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Maryland median
of 23 compared; 6 below, 5 about the same
See the feesFee schedule read Oct 10, 2026
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) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Maryland median | Published fees above the Maryland 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
Service charges were 1.1% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (20th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
12 of 23 compared published fees sit above the Maryland median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Maryland 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
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income fell 22% from Q3 2025 to Q2 2026, to $50K. Its share of revenue, 1.1%, is below the 2.1% median for banks with $300M to $1B in assets.
$50K
The Harbor Bank of MarylandMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $1.50 to $2.50; we compare the midpoint. Monthly maintenance: Listed at $3 to $50; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for The Harbor Bank of Maryland (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, The Harbor Bank of Maryland left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Harbor Bank of Maryland by share.
Amounts from The Harbor Bank of Maryland’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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
per month
per month
per month
per month
one time
per hour
per month
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | 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) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Service charge fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge fee (balance falls below $1,000.00) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account closed within 90 days of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account closed within 90 days of opening (Other Accounts) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | one time | None |
| Dormant account with balance of $50.00 or more | $1.65Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft - all overdrafts paid on a day | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Savings account overdraft | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient funds (NSF) Bill Pay | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Nonsufficient funds (NSF) uncollected funds | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM cash withdrawal (at ATMs we do not own or operate) | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Charge at ATMs we do not own or operate | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace lost ATM card (after second request) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| International Service Assessment | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic wire transfer - Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic wire transfer - Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Foreign wire transfer - Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Foreign wire transfer - Incoming | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's checks | $20Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money orders | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop payments | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payments - ACH payments | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection items (incoming and outgoing) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Cash & Deposit | |||
| Deposited checks (and other items) returned unpaid | $12Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
| Lost night depository key | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Lost safe deposit box key | $65Not compared: Box drilling or key fee | Not stated | None |
| Garnishments | $200Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levies | $200Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Account verifications | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA transfer | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Fax statement | $6Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
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.
Where The Harbor Bank of Maryland operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $323.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 6 | $273.1M | |
| 1 | $50.6M |
Baltimore-Columbia-Towson, MD
0.3% of bank deposits, #24 of 40, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 29.3% |
| Manufacturers and Traders Trust Company | 20.3% |
| Truist Bank | 10.3% |
| PNC Bank, National Association | 10.2% |
| Wells Fargo Bank, National Association | 7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Baltimore-Columbia-Towson, MD, The Harbor Bank of Maryland holds 0.3% of bank deposits, #24 of 40, with 6 offices.
630 offices of 67 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 40 institutions shown. $106.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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
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 1, 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
We check once a day and send one email covering every change.