Harleysville, PA · Cert 31461 · Harleysville Financial Corp.
SI · FDIC · 7 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #30 of 88 inst. · $0.7B of $685.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.06% | 1.08% | 1.15% | 1.21% | 1.22% | 1.69% | 1.50% | +35 bps | |
| Return on Equity | 10.73% | 10.55% | 10.68% | 11.45% | 12.15% | 12.25% | 17.19% | 15.24% | +379 bps | |
| Net Interest Margin | 2.91% | 2.92% | 3.05% | 3.19% | 3.05% | 3.06% | 3.28% | 3.28% | +9 bps | |
| Efficiency Ratio | 58.15% | 57.73% | 59.05% | 56.36% | 54.91% | 54.40% | 45.93% | 49.56% | -679 bps | |
| Non-Interest Burden | 1.58% | 1.57% | 1.69% | 1.68% | 1.56% | 1.55% | 1.08% | 1.36% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.46% | 0.94% | 2.83% | 4.39% | 7.53% | 9.14% | 9.90% | 6.81% | +242 bps | |
| Loan Growth (YoY) | 7.08% | 5.64% | 6.75% | 5.24% | 4.29% | 2.64% | 1.01% | 0.50% | -474 bps | |
| Deposit Growth (YoY) | 2.67% | 6.78% | 5.93% | 4.77% | 1.20% | -1.16% | 0.50% | 3.18% | -159 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.21% | 0.16% | 0.14% | 0.11% | 0.19% | 0.14% | 0.14% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.05% | 0.02% | +2 bps | |
| Allowance / Loans | 0.69% | 0.70% | 0.69% | 0.70% | 0.68% | 0.69% | 0.70% | 0.70% | 0 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.3x | 4.3x | 5.0x | 6.1x | 3.6x | 4.9x | 5.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.05% | 10.20% | 10.25% | 10.42% | 9.85% | 9.84% | 10.00% | 9.93% | -49 bps | |
| Total Risk-Based Capital | 15.03% | 15.19% | 15.11% | 15.02% | 14.57% | 15.37% | 15.81% | 15.98% | +96 bps | |
| Equity / Assets | 10.05% | 10.17% | 10.11% | 9.88% | 9.76% | 9.80% | 9.87% | 9.92% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.28% | 99.30% | 99.21% | 101.76% | 105.40% | 103.12% | 99.71% | 99.11% | -265 bps | |
| Liquid Assets / Assets | 15.78% | 15.08% | 15.11% | 16.62% | 18.40% | 20.12% | 21.68% | 21.76% | +513 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 333% | 327% | 312% | n/a | n/a | |