Harbor Bankshares Corporation (HBC) is a bank holding company organized under the laws of the state of Maryland in 1982.

New Market Tax Credits (NMTC's)

The New Markets Tax Credit (NMTC) was designed to increase the flow of capital to businesses and low income communities by providing a modest tax incentive to private investors. Over the last 15 years, the NMTC has proven to be an effective, targeted and cost-efficient financing tool valued by businesses, communities and investors across the country.