BlastPoint's Banking Scorecard

The Haverford Trust Company

$100M-$1B Specialty: Other PA FDIC cert 26189

Radnor, PA

2664 banks in the $100M-$1B peer group nationally 55 in PA

The Haverford Trust Company has 4 strengths but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 2.1% in tier
+ Profitability Leader: Top 2.7% in tier
+ Credit Quality Leader: Top 41.9% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.7% in tier
- Liquidity Overhang: Bottom 13.9% in tier
- Deposit Outflow: Bottom 20.8% in tier
- Capital Constraint: Bottom 69.4% in tier
- Net Interest Margin 1.76% below tier average
- Non-Interest-Bearing Deposit Share 22.02% below tier average
- Efficiency Ratio 14.90% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$177.8M -3.1% YoY +2.1% QoQ	-$208.3M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	21%
Total Loans ?	$106.0M +1.9% YoY -6.1% QoQ	-$149.7M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	21%
Total Deposits ?	$117.1M -7.2% YoY -1.1% QoQ	-$210.8M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	Bottom 11.1% in tier
Return on Assets ?	8.96% +20.3% YoY +12.4% QoQ	+7.69%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Top 0.2% in tier
Net Interest Margin ?	2.17% +3.7% YoY -3.0% QoQ	-1.76%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 1.4% in tier
Efficiency Ratio ?	80.19% -1.5% YoY -0.9% QoQ	+14.90%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	15%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	90.52% +9.8% YoY -5.0% QoQ	+13.88%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	0.00%	-22.02%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	Bottom 0.5% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	23.02% +16.0% YoY +13.7% QoQ	+7.19%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Top 8.4% in tier
Non-Interest Income / Assets ?	10.73% +12.7% YoY -74.0% QoQ	+10.45%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	Top 0.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Revenue Diversifier

growth

#15 of 666 • Top 2.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 10.73%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 8.96%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#19 of 666 • Top 2.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 8.96%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Leader

growth

#279 of 664 • Top 41.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (4)

Liquidity Strain

risk

#70 of 643 • Bottom 10.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.52%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#104 of 739 • Bottom 13.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 23.02%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 90.52%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#106 of 506 • Bottom 20.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Capital Constraint

risk

#76 of 108 • Bottom 69.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 90.52%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 23.02%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Return on Assets

profitability

Value: 8.96%

Peer Median: 1.27%

#7 of 2664 Top 0.2% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 10.73%

Peer Median: 0.28%

#9 of 2664 Top 0.3% in $100M-$1B

224

Tier 1 Capital Ratio

capital

Value: 23.02%

Peer Median: 15.83%

#224 of 2664 Top 8.4% in $100M-$1B

Top Weaknesses (7 metrics)

2652

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 22.02%

#2652 of 2664 Bottom 0.5% in $100M-$1B

2629

Net Interest Margin

profitability

Value: 2.17%

Peer Median: 3.93%

#2629 of 2664 Bottom 1.4% in $100M-$1B

2368

Total Deposits

size

Value: $117.12M

Peer Median: $327.97M

#2368 of 2664 Bottom 11.1% in $100M-$1B

2257

Efficiency Ratio

profitability

Value: 80.19%

Peer Median: 65.29%

#2257 of 2664 Bottom 15.3% in $100M-$1B

2102

Total Assets

size

Value: $177.77M

Peer Median: $386.08M

#2102 of 2664 Bottom 21.1% in $100M-$1B

2095

Total Loans

size

Value: $106.02M

Peer Median: $255.72M

#2095 of 2664 Bottom 21.4% in $100M-$1B

2044

Loan-to-Deposit Ratio

liquidity

Value: 90.52%

Peer Median: 76.64%

#2044 of 2664 Bottom 23.3% in $100M-$1B