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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

5.73%Q2 ’245.13%Q2 ’254.62%Q2 ’26+3%0%

Non-interest income vs. expense

33.04%Q2 ’2432.82%Q2 ’2535.23%Q2 ’26+36%-46%

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 6.59%, up 134 bps year over year; NIM at 2.16%.
  • 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 (quarter, annualized)

6.59%+134 bps YoY

Net Interest Margin (quarter, annualized)

2.16%-1 bps YoY

Efficiency Ratio (quarter, annualized)

80.49%-286 bps YoY

Tier 1 Leverage Ratio

22.49%+279 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets5.24%5.87%8.05%7.04%6.59%+134 bps
Return on Equity26.28%28.84%38.80%32.35%30.02%+374 bps
Net Interest Margin2.17%2.07%1.99%2.02%2.16%-1 bps
Efficiency Ratio83.36%82.02%77.08%80.19%80.49%-286 bps
Non-Interest Burden-4.38%-5.44%-8.19%-7.02%-6.38%-200 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