BlastPoint's Banking Scorecard
Harleysville Bank
Community
Specialty: Commercial
PA
FDIC cert 31461
Harleysville, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Harleysville Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 46% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$940.4M
+9.1% YoY
+1.3% QoQ
|
-$451.1M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$703.3M
+2.7% YoY
-0.8% QoQ
|
-$272.2M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$686.8M
-1.2% YoY
+1.4% QoQ
|
-$477.8M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
1.22%
+15.4% YoY
+0.5% QoQ
|
+0.05% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.35%
+8.6% YoY
+1.0% QoQ
|
-0.31% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
54.40%
-5.8% YoY
-0.9% QoQ
|
-8.23% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.19%
-10.0% YoY
+70.8% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
102.41%
+3.9% YoY
-2.2% QoQ
|
+19.34% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.78%
+0.3% YoY
-3.6% QoQ
|
-6.27% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.14%
-15.4% YoY
+67.3% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
14.59%
+1.5% YoY
+5.6% QoQ
|
+4.35% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.25%
-6.5% YoY
+32.1% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#239 of 513 · Bottom 46% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
102.41%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
74
74th pctile
Efficiency Ratio
Current: 54.40% · Tier avg: 62.63%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.59% · Tier avg: 10.24%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
50
50th pctile
Total Loans
Current: $703.3M · Tier avg: $975.5M
46
46th pctile
Total Assets
Current: $940.4M · Tier avg: $1.4B
37
37th pctile
Total Deposits
Current: $686.8M · Tier avg: $1.2B
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.78% · Tier avg: 21.05%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
10
10th pctile
Loan-to-Deposit Ratio
Current: 102.41% · Tier avg: 83.06%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 102.41% · Tier avg: 83.06%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.78% · Tier avg: 21.05%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
37
37th pctile
Total Deposits
Current: $686.8M · Tier avg: $1.2B
46
46th pctile
Total Assets
Current: $940.4M · Tier avg: $1.4B
50
50th pctile
Total Loans
Current: $703.3M · Tier avg: $975.5M
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.59% · Tier avg: 10.24%
74
74th pctile
Efficiency Ratio
Current: 54.40% · Tier avg: 62.63%