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The Haverford Trust Company

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

Radnor, PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
  • Deposits +3.6% year over year ($128.7M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 8.63%.
  • Efficiency ratio 80.34% vs a 64.48% peer average.
  • Loan-to-deposit ratio 100.51% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

The Haverford Trust Company has 4 strengths but faces 4 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 1.8% in tier
  • + Profitability Leader: Top 2.4% in tier
  • + Credit Quality Leader: Top 38.9% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 10.5% in tier
  • - Net Interest Margin 1.77% below tier average
  • - Non-Interest-Bearing Deposit Share 22.03% below tier average
  • - Efficiency Ratio 15.86% above tier average
Get updates when The Haverford Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $191.0M
+4.4% YoY +7.4% QoQ
-$195.6M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
24%
Total Loans ? $129.3M
+16.8% YoY +22.0% QoQ
-$129.0M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
28%
Total Deposits ? $128.7M
+3.6% YoY +9.9% QoQ
-$198.1M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
15%
Return on Assets ? 8.63%
+22.2% YoY -3.7% QoQ
+7.31% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Top 0.3% in tier
Net Interest Margin ? 2.22%
-1.6% YoY +2.1% QoQ
-1.77% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 1.4% in tier
Efficiency Ratio ? 80.34%
-2.5% YoY +0.2% QoQ
+15.86% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
Bottom 13.3% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 100.51%
+12.8% YoY +11.0% QoQ
+22.56% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 9.4% in tier
Non-Interest-Bearing Deposit Share ? 0.00% -22.03% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
Bottom 0.5% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 22.49%
+14.1% YoY -2.3% QoQ
+6.58% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Top 9.6% in tier
Non-Interest Income / Assets ? 19.83%
+4.2% YoY +84.8% QoQ
+19.27% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
Top 0.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing n/a n/a 22.1% 18.7% 22.2% n/a
Brokered Deposits n/a n/a 7.9% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 11.1%
-4.5pp YoY
-0.7pp QoQ
 -0.5pp 11.6% 8.6% 12.5% 59%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family n/a n/a 32.6% 47.8% 31.3% n/a
Consumer 76.6%
+4.6pp YoY
+0.3pp QoQ
 +72.5pp 4.1% 3.8% 5.0% 100%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.3% 19.7% n/a
Leverage Ratio 22.5%
+2.8pp YoY
-0.5pp QoQ
 +10.3pp 12.2% 13.2% 12.6% 97%
Total Capital Ratio n/a n/a 19.9% 23.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 147
+4 (+2.8%) YoY
0 QoQ
 +88 58 299 482 97%
Assets per Employee ($) $1.3M
+1.5% YoY
+7.4% QoQ
 -$6.2M $7.5M $9.2M $8.8M 0%
Branch Count 1
0 YoY
0 QoQ
 -4 4 20 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.9% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 3.63x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 40.0%
+3.4pp YoY
-1.2pp QoQ
 +27.8pp 12.2% 10.2% 11.6% 99%
Cost of Funds (YTD) 2.6%
-0.7pp YoY
-0.1pp QoQ
 +0.9pp 1.7% 1.8% 1.7% 93%
Net Income ($, YTD) $7.8M
+20.8% YoY
— QoQ
 +$5.3M $2.6M $18.2M $40.4M 97%

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
#13 of 661 • Top 1.8% 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: 19.83%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 8.63%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#17 of 661 • Top 2.4% in tier

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

Why this signature
Return on Assets: 8.63%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Leader

growth
#257 of 659 • Top 38.9% 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: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#79 of 742 • Bottom 10.5% 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: 22.49%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 100.51%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
8
Return on Assets
profitability
Value: 8.63%
Peer Median: 1.32%
#8 of 2643 Top 0.3% in $100M-$1B
11
Non-Interest Income / Assets
revenue_mix
Value: 19.83%
Peer Median: 0.57%
#11 of 2643 Top 0.4% in $100M-$1B
255
Tier 1 Capital Ratio
capital
Value: 22.49%
Peer Median: 15.91%
#255 of 2643 Top 9.6% in $100M-$1B

Top Weaknesses (6 metrics)

2630
Non-Interest-Bearing Deposit Share
funding
Value: 0.00%
Peer Median: 22.03%
#2630 of 2643 Bottom 0.5% in $100M-$1B
2607
Net Interest Margin
profitability
Value: 2.22%
Peer Median: 3.99%
#2607 of 2643 Bottom 1.4% in $100M-$1B
2395
Loan-to-Deposit Ratio
liquidity
Value: 100.51%
Peer Median: 77.95%
#2395 of 2643 Bottom 9.4% in $100M-$1B
2292
Efficiency Ratio
profitability
Value: 80.34%
Peer Median: 64.48%
#2292 of 2643 Bottom 13.3% in $100M-$1B
2242
Total Deposits
size
Value: $128.67M
Peer Median: $326.73M
#2242 of 2643 Bottom 15.2% in $100M-$1B
2005
Total Assets
size
Value: $190.98M
Peer Median: $386.57M
#2005 of 2643 Bottom 24.2% in $100M-$1B
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