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FIXnotes

HAR-CO

CU

BEL AIR, MD

Total Assets
$286M
Total Loans
$191M
HAR-CO in MD reported a 3.9% Texas Ratio in Q1 2026, declining -3.3pp from the prior quarter. Nonperforming assets fell to 0.54%, down -0.44pp.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
1-4 family — 1st lien$97M50.6%
1-4 family — junior lien$28M14.7%
Multifamily$2M0.9%
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20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

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Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Maryland mortgage-note market & lender distress →