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Huntingdon Savings Bank

Huntingdon, PA · Cert 30031

SI · FDIC · 1 branch

Q2 2026

$17.9MAssets
$14.3MLoans
$13.8MDeposits
$4.0MEquity
Loan mix
100%RE $13.8M0%C&I $0.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $13.8M0%Noninterest $0.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.29%, up 18 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 3.58% of loans (+308 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 22.67%, up 47 bps from a year ago.
  • Funding: loans stand at 103.64% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.29%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.44%+25 bps YoY

Efficiency Ratio (YTD, annualized)

82.73%-1,024 bps YoY

Tier 1 Leverage Ratio

22.67%+47 bps YoY

NIM

4.82%Q2 ’244.65%Q2 ’254.66%Q2 ’26-14%+12%

Non-interest income vs. expense

2.39%Q2 ’242.07%Q2 ’252.05%Q2 ’26-14%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.14%0.18%0.11%0.14%0.21%0.39%0.29%+18 bps
Return on Equity0.30%0.61%0.81%0.50%0.64%0.96%1.70%1.30%+79 bps
Net Interest Margin2.38%2.27%2.13%2.19%2.24%2.28%2.49%2.44%+25 bps
Efficiency Ratio95.53%92.10%88.54%92.96%91.75%87.47%77.48%82.73%-1,024 bps
Non-Interest Burden2.27%2.09%1.88%2.04%2.05%1.99%1.92%2.02%-2 bps
Growth
Asset Growth (YoY)8.18%5.10%2.89%6.78%1.06%-0.49%-0.78%-0.38%-716 bps
Loan Growth (YoY)-2.30%-2.62%-6.42%-5.94%-1.01%-1.40%1.60%5.42%+1,136 bps
Deposit Growth (YoY)10.61%6.88%3.54%8.61%0.90%-1.05%-1.53%-1.01%-962 bps
Asset Quality
Nonperforming Loans / Loans0.81%1.38%1.09%0.50%2.26%0.80%0.49%3.58%+308 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.68%0.67%0.69%0.69%0.69%0.68%0.68%0.66%-4 bps
Allowance Coverage of NPLs0.8x0.5x0.6x1.4x0.3x0.8x1.4x0.2x-1.2x
Capital
Tier 1 Leverage Ratio22.82%22.57%22.44%22.20%22.42%22.75%22.92%22.67%+47 bps
Total Risk-Based Capital50.16%48.97%49.67%49.68%49.14%50.07%51.43%48.45%-122 bps
Equity / Assets22.50%22.56%22.31%22.10%22.45%22.89%22.76%22.49%+39 bps
Liquidity & Funding
Loans / Deposits101.94%103.50%98.64%97.32%100.01%103.14%101.77%103.64%+632 bps
Liquid Assets / Assets16.81%15.84%19.31%20.26%18.37%16.55%17.44%14.27%-599 bps
CRE / Total Capitaln/an/an/an/a12.97%12.78%14.00%n/an/a