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

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

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.93%	0.63%	0.93%	2.39%	Beats 48%	16 / 31
Return on Equity	3.86%	4.15%	7.07%	14.29%	Beats 19%	25 / 31
Net Interest Margin	2.72%	2.72%	3.26%	3.84%	Beats 23%	24 / 31
Efficiency Ratio	56.76%	49.04%	63.83%	80.34%	Beats 61%	13 / 31
Asset Quality
Nonperforming Loans / Loans	0.64%	0.00%	0.24%	1.22%	Beats 41%	17 / 27
Net Charge-Offs / Loans	0.00%	n/a	n/a	0.01%	Beats 100%	16 / 27
Capital
Tier 1 Capital Ratio	42.39%	13.01%	19.43%	42.39%	Beats 74%	8 / 31
Total Risk-Based Capital Ratio	43.38%	13.95%	20.55%	43.38%	Beats 74%	8 / 31
Equity / Assets	24.14%	9.21%	12.36%	21.28%	Beats 81%	6 / 31
Liquidity & Funding
Loans / Deposits	108.68%	52.41%	83.15%	99.86%	87th pctl	4 / 31
Loans / Assets	80.72%	37.80%	67.87%	79.23%	77th pctl	7 / 31
Brokered Deposits / Deposits	n/a	Not reported for this institution