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Haverford Trust Company, The

Radnor, PA · Cert 26189 · Drexel Morgan&Co

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

26

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Haverford Trust Company, The

Radnor, PA · Cert 26189 · Drexel Morgan&Co

State charter, Fed member · FED · 1 branch

Q2 2026

$191.0MAssets
$129.6MLoans
$128.7MDeposits
$40.6MEquity
Loan mix
0%RE $0.0M13%C&I $12.5M87%Consumer $80.9MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $128.7M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

5.75%Q2 ’245.01%Q2 ’254.49%Q2 ’26-3%+2%

Non-interest income vs. expense

33.11%Q2 ’2432.43%Q2 ’2535.32%Q2 ’26+16%-34%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #61 of 88 inst. · $0.1B of $685.1B

Executive Summary

  • Earnings: ROA of 6.78%, up 122 bps year over year; NIM at 2.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 22.49%, up 279 bps from a year ago.
  • Funding: loans stand at 100.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

6.78%+122 bps YoY

Net Interest Margin (YTD, annualized)

2.06%+3 bps YoY

Efficiency Ratio (YTD, annualized)

80.34%-204 bps YoY

Tier 1 Leverage Ratio

22.49%+279 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets5.55%5.66%6.29%7.04%6.78%+122 bps
Return on Equity28.75%28.78%31.62%32.35%31.38%+262 bps
Net Interest Margin2.02%2.07%2.08%2.02%2.06%+3 bps
Efficiency Ratio82.38%82.26%80.89%80.19%80.34%-204 bps
Non-Interest Burden-4.91%-5.16%-5.98%-7.02%-6.59%-168 bps
Growth
Asset Growth (YoY)4.89%-6.04%-4.69%-3.14%4.36%-53 bps
Loan Growth (YoY)38.71%29.11%15.01%1.85%16.80%-2,191 bps
Deposit Growth (YoY)5.73%-10.07%-8.93%-7.24%3.59%-214 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.25%0.25%0.25%0.26%0.22%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio19.70%20.82%20.25%23.02%22.49%+279 bps
Total Risk-Based Capital19.70%20.82%20.25%23.02%22.49%+279 bps
Equity / Assets20.07%20.66%20.86%22.65%21.28%+121 bps
Liquidity & Funding
Loans / Deposits89.34%88.29%95.48%90.75%100.73%+1,139 bps
Liquid Assets / Assets19.93%17.96%14.99%16.11%8.77%-1,116 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Haverford Trust Company, The

Radnor, PA · Cert 26189 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31) · Drexel Morgan&Co

State charter, Fed member · FED · 1 branch

Q2 2026

$191.0MAssets
$129.6MLoans
$128.7MDeposits
$40.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 7 of 27).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 30 of 31).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

6.42%

Rank 3 of 31

Net Interest Margin

2.06%

Rank 30 of 31

Efficiency Ratio

80.34%

Rank 24 of 31

Equity / Assets

21.28%

Rank 8 of 31

Non-interest income vs. expense

$75.7M$63.8MINCOMEEXPENSE
Favorable gap of $11.9M · efficiency ratio beats 26% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 80.34%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets6.42%0.63%0.93%2.39%Beats 90%3 / 31
Return on Equity30.17%4.15%7.07%14.29%Beats 90%3 / 31
Net Interest Margin2.06%2.72%3.26%3.84%Beats 3%30 / 31
Efficiency Ratio80.34%49.04%63.83%80.34%Beats 26%24 / 31
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.24%1.22%Beats 100%7 / 27
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%16 / 27
Capital
Tier 1 Capital Ratio22.49%13.01%19.43%42.39%Beats 55%14 / 31
Total Risk-Based Capital Ratio22.49%13.95%20.55%43.38%Beats 55%14 / 31
Equity / Assets21.28%9.21%12.36%21.28%Beats 74%8 / 31
Liquidity & Funding
Loans / Deposits100.73%52.41%83.15%99.86%77th pctl7 / 31
Loans / Assets67.87%37.80%67.87%79.23%48th pctl16 / 31
Brokered Deposits / Depositsn/aNot reported for this institution