BlastPoint's Banking Scorecard
Hatboro Federal Savings, FA
Community
Specialty: Mortgage
PA
FDIC cert 30155
Designations: ✓ Mutual
Hatboro, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Hatboro Federal Savings, FA has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 31.75% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1% in Community
- - Flatlined Growth: Bottom 40% in Community
- - Net Interest Margin 1.05% below tier
- - Non-Interest-Bearing Deposit Share 17.19% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$585.5M
+2.0% YoY
+1.4% QoQ
|
-$805.9M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$474.5M
+8.8% YoY
+1.6% QoQ
|
-$500.9M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$434.9M
+1.2% YoY
+1.6% QoQ
|
-$729.7M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.73%
+13.9% YoY
+4.7% QoQ
|
-0.43% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
2.61%
+16.5% YoY
+2.3% QoQ
|
-1.05% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
62.06%
-7.5% YoY
-2.0% QoQ
|
-0.57% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.55%
-16.8% YoY
+17.1% QoQ
|
-0.08% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
109.11%
+7.5% YoY
-0.0% QoQ
|
+26.05% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.85%
-1.1% YoY
+14.7% QoQ
|
-17.19% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.44%
-11.2% YoY
+17.3% QoQ
|
-0.06% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
41.99%
-2.5% YoY
|
+31.75% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.23%
-45.6% YoY
+40.8% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
41.99%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Liquidity Overhang
risk
#2 of 268 · Bottom 1% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
41.99%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
109.11%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Flatlined Growth
risk
#99 of 245 · Bottom 40% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.73%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Net Interest Margin
metric
Bottom 8%
in Community
Why this stands out
Current:
2.61%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Community
Why this stands out
Current:
3.85%
(Tier avg: 21.05%, 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
Tier 1 Capital Ratio
Current: 41.99% · Tier avg: 10.24%
50
50th pctile
Efficiency Ratio
Current: 62.06% · Tier avg: 62.63%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
26
26th pctile
Total Loans
Current: $474.5M · Tier avg: $975.5M
21
21th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.16%
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
12
12th pctile
Total Assets
Current: $585.5M · Tier avg: $1.4B
8
8th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.66%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.11% · Tier avg: 83.06%
3
3th pctile
Total Deposits
Current: $434.9M · Tier avg: $1.2B
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 3.85% · Tier avg: 21.05%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 3.85% · Tier avg: 21.05%
3
3th pctile
Total Deposits
Current: $434.9M · Tier avg: $1.2B
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.11% · Tier avg: 83.06%
8
8th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.66%
12
12th pctile
Total Assets
Current: $585.5M · Tier avg: $1.4B
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
21
21th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.16%
26
26th pctile
Total Loans
Current: $474.5M · Tier avg: $975.5M
42
42th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
50
50th pctile
Efficiency Ratio
Current: 62.06% · Tier avg: 62.63%
100
100th pctile
Tier 1 Capital Ratio
Current: 41.99% · Tier avg: 10.24%