Huntingdon Savings Bank
Huntingdon, PA · Cert 30031 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 1 branch
Q2 2026
$17.9MAssets
$14.3MLoans
$13.8MDeposits
$4.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets operating in a single state (rank 717 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.29%
Rank 674 of 746
Net Interest Margin
2.44%
Rank 706 of 746
Efficiency Ratio
82.73%
Rank 644 of 746
Equity / Assets
22.49%
Rank 25 of 746
Non-interest income vs. expense
Unfavorable gap of $358K · efficiency ratio beats 14% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.29% | 0.72% | 1.06% | 1.45% | Beats 10% | 674 / 746 | | |
| Return on Equity | 1.29% | 6.74% | 10.51% | 13.63% | Beats 6% | 701 / 746 | | |
| Net Interest Margin | 2.44% | 3.17% | 3.68% | 4.16% | Beats 5% | 706 / 746 | | |
| Efficiency Ratio | 82.73% | 55.74% | 64.58% | 75.47% | Beats 14% | 644 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.58% | 0.09% | 0.42% | 1.07% | Beats 4% | 717 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 47.35% | 11.55% | 13.75% | 17.60% | Beats 99% | 11 / 746 | | |
| Total Risk-Based Capital Ratio | 48.45% | 11.71% | 14.33% | 18.43% | Beats 99% | 11 / 746 | | |
| Equity / Assets | 22.49% | 8.90% | 10.51% | 13.06% | Beats 97% | 25 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.64% | 61.31% | 78.27% | 90.78% | 93rd pctl | 50 / 746 | | |
| Loans / Assets | 79.93% | 53.60% | 66.97% | 76.08% | 85th pctl | 109 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |