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Hatboro Federal Savings

Hatboro, PA · Cert 30155

State savings bank · OCC · 4 branches

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

76

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

61

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

Hatboro Federal Savings

Hatboro, PA · Cert 30155

State savings bank · OCC · 4 branches

Q2 2026

$597.8MAssets
$482.5MLoans
$444.0MDeposits
$144.3MEquity
Loan mix
100%RE $472.6M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $425.4M4%Noninterest $18.6MQ2 2025Q2 2026

NIM

4.19%Q2 ’244.41%Q2 ’254.69%Q2 ’26+11%+19%

Non-interest income vs. expense

1.68%Q2 ’241.61%Q2 ’251.61%Q2 ’26+11%+1%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #38 of 88 inst. · $0.4B of $685.1B

0.9% Bucks
0.5% Montgomery

Executive Summary

  • Earnings: ROA of 0.94%, up 41 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.64% of loans (+8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 24.52%, up 20 bps from a year ago.
  • Funding: loans stand at 108.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.94%+41 bps YoY

Net Interest Margin (YTD, annualized)

2.72%+44 bps YoY

Efficiency Ratio (YTD, annualized)

56.76%-1,000 bps YoY

Tier 1 Leverage Ratio

24.52%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.70%0.73%1.11%0.94%+41 bps
Return on Equity2.21%2.93%3.06%4.57%3.89%+168 bps
Net Interest Margin2.29%2.33%2.37%2.89%2.72%+44 bps
Efficiency Ratio66.76%63.34%62.06%53.04%56.76%-1,000 bps
Non-Interest Burden1.48%1.40%1.38%1.50%1.49%+1 bps
Growth
Asset Growth (YoY)0.49%2.25%1.97%2.42%3.92%+343 bps
Loan Growth (YoY)11.37%10.05%8.91%6.71%4.79%-658 bps
Deposit Growth (YoY)-0.59%2.01%1.22%1.76%3.80%+439 bps
Asset Quality
Nonperforming Loans / Loans0.56%0.46%0.54%0.66%0.64%+8 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.69%0.66%0.69%0.68%0.69%0 bps
Allowance Coverage of NPLs1.2x1.4x1.3x1.0x1.1x-0.2x
Capital
Tier 1 Leverage Ratio24.31%24.42%24.39%24.49%24.52%+20 bps
Total Risk-Based Capital24.31%24.42%42.98%43.46%43.38%+1,907 bps
Equity / Assets24.09%24.30%24.21%24.24%24.14%+6 bps
Liquidity & Funding
Loans / Deposits107.66%109.85%109.88%107.83%108.68%+103 bps
Liquid Assets / Assets5.09%3.80%3.98%5.81%6.23%+114 bps
CRE / Total Capitaln/a0.32%0.31%0.30%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

Hatboro Federal Savings

Hatboro, PA · Cert 30155 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

State savings bank · OCC · 4 branches

Q2 2026

$597.8MAssets
$482.5MLoans
$444.0MDeposits
$144.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 16 of 27).
  • Widest gap: return on equity trails 81% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 25 of 31).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.93%

Rank 16 of 31

Net Interest Margin

2.72%

Rank 24 of 31

Efficiency Ratio

56.76%

Rank 13 of 31

Equity / Assets

24.14%

Rank 6 of 31

Non-interest income vs. expense

$0.7M$9.6MINCOMEEXPENSE
Unfavorable gap of $8.9M · efficiency ratio beats 61% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 56.76%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.93%0.63%0.93%2.39%Beats 48%16 / 31
Return on Equity3.86%4.15%7.07%14.29%Beats 19%25 / 31
Net Interest Margin2.72%2.72%3.26%3.84%Beats 23%24 / 31
Efficiency Ratio56.76%49.04%63.83%80.34%Beats 61%13 / 31
Asset Quality
Nonperforming Loans / Loans0.64%0.00%0.24%1.22%Beats 41%17 / 27
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%16 / 27
Capital
Tier 1 Capital Ratio42.39%13.01%19.43%42.39%Beats 74%8 / 31
Total Risk-Based Capital Ratio43.38%13.95%20.55%43.38%Beats 74%8 / 31
Equity / Assets24.14%9.21%12.36%21.28%Beats 81%6 / 31
Liquidity & Funding
Loans / Deposits108.68%52.41%83.15%99.86%87th pctl4 / 31
Loans / Assets80.72%37.80%67.87%79.23%77th pctl7 / 31
Brokered Deposits / Depositsn/aNot reported for this institution