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Hatboro Federal Savings, FA

$100M-$1B Specialty: Mortgage PA FDIC cert 30155

Designations: ✓ Mutual

Hatboro, PA

4 branches across 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 +3.8% year over year ($444.0M on the books).
  • Delinquency rate 0.65%.
  • Return on assets 0.94%.
  • Efficiency ratio 56.76% vs a 64.48% peer average.
  • Loan-to-deposit ratio 107.93% 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) →

Hatboro Federal Savings, FA has 2 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

  • + Efficiency Ratio 7.72% below tier average
  • + Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 1.1% in tier
  • - Credit Risk Growth: Bottom 16.0% in tier
  • - Credit Quality Pressure: Bottom 32.1% in tier
  • - Net Interest Margin 1.01% below tier average
  • - Non-Interest-Bearing Deposit Share 17.85% below tier average
  • - Non-Interest Income / Assets 0.51% below tier average
  • - ROA 0.38% below tier average
Get updates when Hatboro Federal Savings, FA releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $597.8M
+3.9% YoY +1.2% QoQ
+$211.2M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $479.2M
+4.8% YoY +2.2% QoQ
+$220.8M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 13.5% in tier
Total Deposits ? $444.0M
+3.8% YoY +1.4% QoQ
+$117.2M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 0.94%
+78.3% YoY -14.9% QoQ
-0.38% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
30%
Net Interest Margin ? 2.97%
+19.4% YoY -5.5% QoQ
-1.01% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 9.1% in tier
Efficiency Ratio ? 56.76%
-15.0% YoY +7.0% QoQ
-7.72% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 0.65%
+14.5% YoY -2.8% QoQ
-0.27% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 107.93%
+1.0% YoY +0.8% QoQ
+29.98% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 4.2% in tier
Non-Interest-Bearing Deposit Share ? 4.18%
-7.8% YoY -3.7% QoQ
-17.85% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
Bottom 2.9% in tier
Nonperforming Asset Ratio ? 0.52%
+15.5% YoY -1.9% QoQ
-0.15% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
39%
Tier 1 Capital Ratio ? 42.39%
+74.4% YoY -0.3% QoQ
+26.48% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Top 1.5% in tier
Non-Interest Income / Assets ? 0.06%
-8.4% YoY +209.4% QoQ
-0.51% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
Bottom 7.6% 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 4.2%
-0.4pp YoY
-0.2pp QoQ
 -18.0pp 22.1% 18.7% 22.2% 2%
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 n/a n/a 11.6% 8.6% 12.5% n/a
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 100.7%
0.0pp YoY
0.0pp QoQ
 +68.1pp 32.6% 47.8% 31.3% 100%
Consumer n/a n/a 4.1% 3.8% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 42.4%
-0.1pp QoQ
 +23.6pp 18.8% 22.3% 19.7% 97%
Leverage Ratio 24.5%
+0.2pp YoY
0.0pp QoQ
 +12.3pp 12.2% 13.2% 12.6% 98%
Total Capital Ratio 43.4%
-0.1pp QoQ
 +23.4pp 19.9% 23.3% 20.8% 97%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 39
+1 (+2.6%) YoY
+1 (+2.6%) QoQ
 -20 58 299 482 40%
Assets per Employee ($) $15.3M
+1.3% YoY
-1.4% QoQ
 +$7.8M $7.5M $9.2M $8.8M 98%
Branch Count 4
0 YoY
0 QoQ
 -1 4 20 18 42%

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 0.6%
+0.1pp YoY
0.0pp QoQ
 -0.3pp 0.9% 0.9% 1.0% 60%
Allowance Coverage 1.08x
-12.8% YoY
+5.0% QoQ
 -23.08x 24.15x 3.63x 20.23x 29%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 28%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 3.9%
+1.7pp YoY
-0.7pp QoQ
 -8.3pp 12.2% 10.2% 11.6% 10%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.8% 1.7% 78%
Net Income ($, YTD) $2.8M
+83.2% YoY
— QoQ
 +$230K $2.6M $18.2M $40.4M 67%

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 (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Overhang

risk
#9 of 742 • Bottom 1.1% 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: 42.39%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 107.93%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Credit Risk Growth

risk
#151 of 936 • Bottom 16.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#404 of 1256 • Bottom 32.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.65%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

41
Tier 1 Capital Ratio
capital
Value: 42.39%
Peer Median: 15.91%
#41 of 2643 Top 1.5% in $100M-$1B
357
Total Loans
size
Value: $479.19M
Peer Median: $258.35M
#357 of 2643 Top 13.5% in $100M-$1B
516
Total Assets
size
Value: $597.77M
Peer Median: $386.57M
#516 of 2643 Top 19.5% in $100M-$1B

Top Weaknesses (4 metrics)

2567
Non-Interest-Bearing Deposit Share
funding
Value: 4.18%
Peer Median: 22.03%
#2567 of 2643 Bottom 2.9% in $100M-$1B
2532
Loan-to-Deposit Ratio
liquidity
Value: 107.93%
Peer Median: 77.95%
#2532 of 2643 Bottom 4.2% in $100M-$1B
2444
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.57%
#2444 of 2643 Bottom 7.6% in $100M-$1B
2404
Net Interest Margin
profitability
Value: 2.97%
Peer Median: 3.99%
#2404 of 2643 Bottom 9.1% in $100M-$1B
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