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

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

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.49%	0.63%	0.93%	2.39%	Beats 61%	12 / 31
Return on Equity	15.00%	4.15%	7.07%	14.29%	Beats 81%	6 / 31
Net Interest Margin	3.28%	2.72%	3.26%	3.84%	Beats 52%	15 / 31
Efficiency Ratio	49.56%	49.04%	63.83%	80.34%	Beats 74%	9 / 31
Asset Quality
Nonperforming Loans / Loans	0.14%	0.00%	0.24%	1.22%	Beats 63%	11 / 27
Net Charge-Offs / Loans	0.01%	n/a	n/a	0.01%	Beats 26%	21 / 27
Capital
Tier 1 Capital Ratio	15.18%	13.01%	19.43%	42.39%	Beats 32%	21 / 31
Total Risk-Based Capital Ratio	15.98%	13.95%	20.55%	43.38%	Beats 32%	21 / 31
Equity / Assets	9.92%	9.21%	12.36%	21.28%	Beats 35%	20 / 31
Liquidity & Funding
Loans / Deposits	99.11%	52.41%	83.15%	99.86%	71st pctl	9 / 31
Loans / Assets	73.98%	37.80%	67.87%	79.23%	58th pctl	13 / 31
Brokered Deposits / Deposits	n/a	Not reported for this institution