Harford County, Maryland, a county in the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA market, holds $5.0B in deposits across 13 insured institutions and 43 branches. Manufacturers and Traders Trust Company is the largest deposit holder at 20.0% share. The top three banks hold 49% of deposits, which places the county in the Moderate band. Deposits have fallen 1.3% since 2021 while the branch count fell by 12.2%. It produced $14.0B of real gross domestic product in 2024, ranking #285 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 49 in 2021 to 43 in 2026. Institutions: 16 to 13. Top-three share: 51% to 49%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Manufacturers and Traders Trust Company | $1.0B | 20.0% | +4% |
| Bank of America | $787M | 15.7% | -9% |
| PNC Bank | $663M | 13.2% | -8% |
| Harford Bank | $635M | 12.6% | +49% |
| Truist Bank | $585M | 11.7% | -25% |
| Wells Fargo Bank | $421M | 8.4% | 0% |
| First National Bank of Pennsylvania | $388M | 7.7% | +5% |
| Rosedale Bank | $187M | 3.7% | +7% |
| Jarrettsville Federal Savings and Loan Association | $147M | 2.9% | +28% |
| TD Bank | $89M | 1.8% | -12% |
| Orrstown Bank | $62M | 1.2% | -30% |
| BayVanguard Bank | $33M | 0.6% | -29% |
| JPMorgan Chase Bank | $23M | 0.5% | no 2021 presence |
The 13 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.
Part of the Washington-Baltimore-Arlington market
Harford County is one of 42 counties that make up the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA market, a Combined Statistical Area (ranked #4 of 293 U.S. markets by economic output). It produces 1.6% of the market’s output and holds 1.2% of its deposits.
| Measure | Harford County | Share of parent market |
|---|---|---|
| 2024 GDP | $14.0B | 1.6% |
| Deposits | $5.0B | 1.2% |
| Population | 266,446 | 2.6% |
View the full Washington-Baltimore-Arlington market profile →
Recruiting in Harford County
Deposits are split among a moderate number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Harford County.
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