At a glance
From its website, read 2 Nov 2026HARBOR BANKSHARES CORPORATION is a bank holding company based in Baltimore, Maryland. Its website describes commercial real estate loans, home mortgages, personal loans and 2 other loan types. Stated loan amounts run from $50,000 to $5M.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| info@theharborbank.com source | |
| Website | www.TheHarborBank.com |
| Office (official list) | 25 W FAYETTE STREET, Baltimore, MD 21201 |
What their website says about applying
Reach out to our experienced lending team and let's grow together.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Term: see their wording | Up to 10 year maturities | source |
| SBA-backed loans (7(a)/504/Community Advantage) | Term: up to 25 yr | Up to 25-year maturities | source |
| Small-business loans | Term: up to 2 yr | Up to 2 year maturities | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | 2008130 |
| Address | 25 W FAYETTE STREET, Baltimore, MD 21201 Directions (Google Maps) |
| Website | www.TheHarborBank.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Service area, borrower eligibility and online application are not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | Useful for purchasing either investment properties or owner-occupied properties and construction/renovation financing | source |
| Home mortgages | — | Harbor Bank's mortgage loan could be your next step toward | source |
| Personal / consumer loans | — | we offer personal loans and lines of credit designed to adapt to life’s twists and turns. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | up to $5M | Loans up to $5 million | source |
| Small-business loans | from $50,000 | Minimum of $50,000 | source |
Loan sizes
Range used for the size filter: $50,000 to $5M
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.theharborbank.com/
- https://www.theharborbank.com/Business-Banking/business-loans
- https://www.theharborbank.com/Personal-Banking/personal-loans-lines-of-credit
- https://www.theharborbank.com/Personal-Banking/
- https://www.theharborbank.com/Personal-Banking/Personal-Loans-Lines-of-Credit
- https://www.theharborbank.com/Business-Banking/
- https://www.theharborbank.com/Personal-Banking/personal-savings
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What is the APR, including fees, on your home mortgages and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and SBA-backed loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.2 million in 1 award from the U.S. Treasury's CDFI Fund, 2022 (CDFI Equitable Recovery Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $6,197,097 |
New Markets Tax Credit allocations
$659 million in 14 allocations. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2024 | New Markets Tax Credit allocation | $75,000,000 |
| 2023 | New Markets Tax Credit allocation | $50,000,000 |
| 2022 | New Markets Tax Credit allocation | $50,000,000 |
| 2021 | New Markets Tax Credit allocation | $50,000,000 |
| 2020 | New Markets Tax Credit allocation | $50,000,000 |
| 2019 | New Markets Tax Credit allocation | $50,000,000 |
| 2018 | New Markets Tax Credit allocation | $35,000,000 |
| 2017 | New Markets Tax Credit allocation | $55,000,000 |
| 2016 | New Markets Tax Credit allocation | $70,000,000 |
| 2013 | New Markets Tax Credit allocation | $33,000,000 |
| 2010 | New Markets Tax Credit allocation | $21,000,000 |
| 2009 | New Markets Tax Credit allocation | $20,000,000 |
| 2008 | New Markets Tax Credit allocation | $50,000,000 |
| 2003 | New Markets Tax Credit allocation | $50,000,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $75 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: The Harbor Bank of Maryland (FDIC cert 24015, total assets $383.2 million). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $383.2 million (as of 30 Jun 2026) |
|---|---|
| Offices | 7 (as of 30 Oct 2026) |
Offices by state and county (7)
Maryland (7 offices)
- Baltimore City (5): 25 W Fayette St, Baltimore 21201 (main office); 1000 Lancaster St Ste C, Baltimore 21202; 1509 Havenwood Rd, Baltimore 21218; 5000 Park Heights Ave, Baltimore 21215; 855 N Wolfe St, Baltimore 21205
- Baltimore County (1): 8530 Liberty Rd, Randallstown 21133
- Montgomery County (1): 1010 Wayne Ave Ste 100, Silver Spring 20910
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, The Harbor Bank of Maryland (RSSD 533124, FDIC cert 24015), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $228.8 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 1.8% from $224.8 million on 30 Jun 2025 |
| Total assets | $383.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $35.6 million | 15.5% |
| Home equity lines of credit | $16.9 million | 7.4% |
| Commercial real estate, construction and multifamily | $149.2 million | 65.2% |
| Commercial and industrial (business) loans | $26.1 million | 11.4% |
| Consumer loans (credit cards, auto, other) | $1 million | 0.5% |
None reported on the 30 Jun 2026 report: farmland and farm production loans.
Within consumer loans: auto loans $102,000, credit cards $374,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 4 loans $238,000 | 37 loans $1.1 million |
| $100,001 to $250,000 | 16 loans $2.2 million | 22 loans $3 million |
| $250,001 to $1 million | 61 loans $28.9 million | 33 loans $13 million |
| All small business loans | 81 loans $31.3 million | 92 loans $17.2 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $383.2 million | Larger than 50% of the 321 other certified banks and bank holding companies nationwide (median $381.4 million). |
| Loans as a share of assets | 60% | Median of the same 321 banks and bank holding companies: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $224.8 million → $228.8 million (+2%) | Median change of 321 other certified banks and bank holding companies nationwide: +7%. Rank by loans held among these 322: 168 → 168. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies nationwide | 321 | larger than 50% |
| Loans held then vs now | certified banks and bank holding companies nationwide reporting both dates | 321 | rank 168 → 168 of 322 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Harbor Bank of Maryland is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Baltimore and Maryland
- Baltimore Community Lending, Inc.Loan fund · Baltimore, MDCommercial real estate loans, Affordable housing development loans, Small-business loansVerified
- Harbor Bank of MarylandBank or thrift · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Harbor Bank of Maryland Community Development CorporationLoan fund · Baltimore, MDEquity / venture investmentVerified
- Municipal Employees Credit Union of Baltimore, Incorporated d/b/a MECUCredit union · Baltimore, MDOfficial list only
- Neighborhood Housing Services of Baltimore, Inc.Loan fund · Baltimore, MDHome repair / improvement loans, Home mortgagesVerified
- Neighborhood Impact Investment Fund, Inc.Loan fund · Baltimore, MDCommercial real estate loans, Small-business loansVerified
- New American Community Lending CorporationLoan fund · Baltimore, MDOfficial list only
Work at HARBOR BANKSHARES CORPORATION? Link to this page
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