Harford Bank Balance Sheet Health
Financial Health criteria checks 5/6
Harford Bank has total assets of $653.9M and total equity of $57.1M. Total deposits are $550.6M, and total loans are $493.6M.
Key information
11.4x
Asset to equity ratio
n/a
Net interest margin
| Total deposits | US$550.56m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.3% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$5.68m |
Recent financial health updates
No updates
Recent updates
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Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HFBK's Assets to Equity ratio (11.4x) is moderate.
Allowance for Bad Loans: HFBK has a low allowance for bad loans (84%).
Low Risk Liabilities: 92% of HFBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: HFBK has an appropriate level of Loans to Assets ratio (75%).
Low Risk Deposits: HFBK's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: HFBK has an appropriate level of bad loans (1.3%).