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Harleysville Bank

Harleysville, PA · Cert 31461 · Harleysville Financial Corp.

SI · FDIC · 7 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

74

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 2026-10-11

Harleysville Bank

Harleysville, PA · Cert 31461 · Harleysville Financial Corp.

SI · FDIC · 7 branches

Q2 2026

$963.6MAssets
$712.8MLoans
$719.2MDeposits
$95.6MEquity
Loan mix
98%RE $691.0M2%C&I $14.7M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $614.8M15%Noninterest $104.4MQ2 2025Q2 2026

NIM

4.43%Q2 ’244.73%Q2 ’254.83%Q2 ’26+7%+3%

Non-interest income vs. expense

1.87%Q2 ’241.95%Q2 ’251.89%Q2 ’26+4%-19%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #30 of 88 inst. · $0.7B of $685.1B

Executive Summary

  • Earnings: ROA of 1.50%, up 35 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.14% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.93%, down 49 bps from a year ago.
  • Funding: loans stand at 99.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.50%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+9 bps YoY

Efficiency Ratio (YTD, annualized)

49.56%-679 bps YoY

Tier 1 Leverage Ratio

9.93%-49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.21%1.22%1.69%1.50%+35 bps
Return on Equity11.45%12.15%12.25%17.19%15.24%+379 bps
Net Interest Margin3.19%3.05%3.06%3.28%3.28%+9 bps
Efficiency Ratio56.36%54.91%54.40%45.93%49.56%-679 bps
Non-Interest Burden1.68%1.56%1.55%1.08%1.36%-32 bps
Growth
Asset Growth (YoY)4.39%7.53%9.14%9.90%6.81%+242 bps
Loan Growth (YoY)5.24%4.29%2.64%1.01%0.50%-474 bps
Deposit Growth (YoY)4.77%1.20%-1.16%0.50%3.18%-159 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.11%0.19%0.14%0.14%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.05%0.02%+2 bps
Allowance / Loans0.70%0.68%0.69%0.70%0.70%0 bps
Allowance Coverage of NPLs5.0x6.1x3.6x4.9x5.0x-0.1x
Capital
Tier 1 Leverage Ratio10.42%9.85%9.84%10.00%9.93%-49 bps
Total Risk-Based Capital15.02%14.57%15.37%15.81%15.98%+96 bps
Equity / Assets9.88%9.76%9.80%9.87%9.92%+4 bps
Liquidity & Funding
Loans / Deposits101.76%105.40%103.12%99.71%99.11%-265 bps
Liquid Assets / Assets16.62%18.40%20.12%21.68%21.76%+513 bps
CRE / Total Capitaln/a333%327%312%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 2026-10-11

Harleysville Bank

Harleysville, PA · Cert 31461 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31) · Harleysville Financial Corp.

SI · FDIC · 7 branches

Q2 2026

$963.6MAssets
$712.8MLoans
$719.2MDeposits
$95.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 81% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 6 of 31).
  • Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 21 of 27).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.49%

Rank 12 of 31

Net Interest Margin

3.28%

Rank 15 of 31

Efficiency Ratio

49.56%

Rank 9 of 31

Equity / Assets

9.92%

Rank 20 of 31

Non-interest income vs. expense

$5.1M$18.2MINCOMEEXPENSE
Unfavorable gap of $13.1M · efficiency ratio beats 74% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 49.56%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.49%0.63%0.93%2.39%Beats 61%12 / 31
Return on Equity15.00%4.15%7.07%14.29%Beats 81%6 / 31
Net Interest Margin3.28%2.72%3.26%3.84%Beats 52%15 / 31
Efficiency Ratio49.56%49.04%63.83%80.34%Beats 74%9 / 31
Asset Quality
Nonperforming Loans / Loans0.14%0.00%0.24%1.22%Beats 63%11 / 27
Net Charge-Offs / Loans0.01%n/an/a0.01%Beats 26%21 / 27
Capital
Tier 1 Capital Ratio15.18%13.01%19.43%42.39%Beats 32%21 / 31
Total Risk-Based Capital Ratio15.98%13.95%20.55%43.38%Beats 32%21 / 31
Equity / Assets9.92%9.21%12.36%21.28%Beats 35%20 / 31
Liquidity & Funding
Loans / Deposits99.11%52.41%83.15%99.86%71st pctl9 / 31
Loans / Assets73.98%37.80%67.87%79.23%58th pctl13 / 31
Brokered Deposits / Depositsn/aNot reported for this institution