Harbor Community Bank


200 S. Indian River Drive, Suite 100
Fort Pierce, FL 34950
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Notable Rates APY Vs.Others
Savings N.A. 1.00% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Harbor Community Bank is an FDIC insured institution located in Fort Pierce, FL. It was founded in 1960 and has approximately $2.18 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 18149
Date Established 1960
Assets $ 1,884.69 million
Loans $ 1,347.94 million
Deposits $ 1,773.52 million
Capital $ 240.75 million

For a more detailed analysis of Harbor Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 30, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - September 30, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Harbor Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.789% 2.750% 0.50 $1,250 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Harbor Community Bank
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Financial Details

Harbor Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Harbor Community Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Harbor Community Bank U.S. Bank Average
14.41% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Harbor Community Bank had $28,453,000 in non-current loans and $7,462,000 in owned real estate. To cover these potential losses it had $240,748,000 in equity and $8,513,000 in loans loss reserves. That gives it a Texas Ratio of 14.41%.

Return on Equity
Harbor Community Bank U.S. Bank Average
4.86% 7.80%

Harbor Community Bank has a Return on Equity of 4.86% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Harbor Community Bank U.S. Bank Average
12.77% 12.68%

Harbor Community Bank has a Capitalization of 12.77% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Harbor Community Bank Balance Sheet Analysis

As of December 31, 2017, Harbor Community Bank had assets of $2,180,293,000, loans of $1,347,941,000, and deposits of $1,773,523,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 77.18 million
Interest-bearing balances $ 38.12 million
Total securities $ 588.60 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,347.94 million
Loan loss allowance $ 8.51 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 7.46 million
Goodwill and other intangibles $ 38.62 million
All other assets $ 67.36 million
     Total Assets $ 1,939.55 million
Total deposits $ 1,773.52 million
      Interest-bearing deposits $ 1,175.31 million
      Deposits held in domestic offices $ 1,773.52 million
      % insured (estimated) 72.07%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 158.65 million
Subordinated debt N.A.
All other liabilities $ 7.37 million
      Total Liabilities $ 1,939.55 million
      Shareholders’ Equity N.A.

Summary Income Statement

March 31, 2020
Total Interest Income $ 74.09 million
Total Interest Expense $ 6.76 million
Net interest income $ 67.34 million
Provision for loan and lease losses $ 3.32 million
Total non interest income $ 12.51 million
Total non interest expense $ 57.89 million
Pre-tax Net Operating Income $ 18.64 million

Bank Loan Profile?

The top three loan types in Harbor Community Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Florida, Harbor Community Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 28.65
Credit Card Loans 0.00
Consumer Auto Loans 1.10
Small Business Loans 20.75
Construction and Development Loans 11.20
Commercial Real Estate 43.55
Commercial and Industrial Loans 8.09
Farm Loans 0.05

Frequently Asked Questions About Harbor Community Bank

Branches and Savings

Is Harbor Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18149.

Why does Harbor Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Harbor Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Harbor Community Bank a commercial bank?


Where are Harbor Community Bank locations?

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Is Harbor Community Bank open on Saturdays?

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Are Harbor Community Bank ATMs Open 24/7?

Do Harbor Community Bank ATMs accept cash deposits?

Can Harbor Community Bank customers use other ATMs?

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Will Harbor Community Bank notarize my document?

What address for Harbor Community Bank should I put for incoming ACH transfers?

Will the Harbor Community Bank branch print checks?

Do Harbor Community Bank checks expire?

Does Harbor Community Bank require US citizenship to open account?

Can Harbor Community Bank close my account?

Does Harbor Community Bank Report to credit bureaus?

Does Harbor Community Bank Use Equifax?

What is Harbor Community Bank's ACH Routing Number?

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Does Harbor Community Bank offer mortgages?

Compare mortgage rates here.

Does Harbor Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Harbor Community Bank offer personal loans?

Compare personal loan rates here.

Does Harbor Community Bank offer student loans?

Will Harbor Community Bank cash a check?

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Does Harbor Community Bank cash savings bonds?

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Can Harbor Community Bank issue a money order?

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Background on The Bank

Who owns Harbor Community Bank?

How long has Harbor Community Bank been around?

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Does Harbor Community Bank have quick pay?

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