BlastPoint's Banking Scorecard
The Haverford Trust Company
Micro
Specialty: Other
PA
FDIC cert 26189
Radnor, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
The Haverford Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 6.89% above tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.61% below tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$174.1M
-4.7% YoY
-5.2% QoQ
|
-$43.4M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$112.8M
+15.1% YoY
-0.1% QoQ
|
-$26.3M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$118.5M
-8.9% YoY
-7.6% QoQ
|
-$65.2M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
7.97%
+4.4% YoY
+10.7% QoQ
|
+6.89% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
2.24%
+7.1% YoY
-0.5% QoQ
|
-1.61% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
80.89%
+0.2% YoY
-1.7% QoQ
|
+13.17% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
95.25%
+26.3% YoY
+8.2% QoQ
|
+20.72% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
41.32%
+11.7% YoY
+43.5% QoQ
|
+40.76% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
7.97%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.24%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Return on Assets
Current: 7.97% · Tier avg: 1.08%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Loans
Current: $112.8M · Tier avg: $139.2M
44
44th pctile
Total Assets
Current: $174.1M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $118.5M · Tier avg: $183.7M
20
20th pctile
Efficiency Ratio
Current: 80.89% · Tier avg: 67.73%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.25% · Tier avg: 74.53%
3
3th pctile
Net Interest Margin
Current: 2.24% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
3
3th pctile
Net Interest Margin
Current: 2.24% · Tier avg: 3.85%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.25% · Tier avg: 74.53%
20
20th pctile
Efficiency Ratio
Current: 80.89% · Tier avg: 67.73%
35
35th pctile
Total Deposits
Current: $118.5M · Tier avg: $183.7M
44
44th pctile
Total Assets
Current: $174.1M · Tier avg: $217.5M
47
47th pctile
Total Loans
Current: $112.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Return on Assets
Current: 7.97% · Tier avg: 1.08%