| Metric | Harleysville Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.9% | +1.9 pts |
| Deposit growth (YoY) | +3.2% | +4.3% | -1.1 pts |
| Loan growth (YoY) | +0.5% | +5.3% | -4.8 pts |
| ROA | 1.50% | 1.28% | +0.2 pts |
| ROE | 15.2% | 12.4% | +2.8 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $963.6M | $719.2M | $707.8M | $95.6M | $7.2M | 1.50% | 3.48% | 0.10% |
| Q1 2026 | $958.1M | $708.4M | $701.3M | $94.6M | $4.0M | 1.69% | 3.44% | 0.10% |
| Q4 2025 | $940.4M | $686.8M | $703.3M | $92.1M | $11.0M | 1.22% | 3.35% | 0.14% |
| Q3 2025 | $928.4M | $677.1M | $708.9M | $90.6M | $8.1M | 1.21% | 3.32% | 0.09% |
| Q2 2025 | $902.1M | $697.0M | $704.3M | $89.1M | $5.1M | 1.15% | 3.27% | 0.11% |
| Q1 2025 | $871.8M | $704.8M | $694.4M | $88.1M | $2.3M | 1.08% | 3.19% | 0.13% |
| Q4 2024 | $861.6M | $694.8M | $685.1M | $87.6M | $9.1M | 1.06% | 3.09% | 0.17% |
| Q3 2024 | $863.4M | $669.1M | $679.6M | $86.8M | $6.9M | 1.07% | 3.10% | 0.16% |
Loan mix (Q2 2026): real estate $696.2M · commercial $16.1M · consumer $498K · securities $205.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Harleysville Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.28% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 12.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.6% | 61.2% | 19th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Harleysville Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Harleysville Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Harleysville Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Harleysville Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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