BlastPoint's Banking Scorecard
Hatboro Federal Savings, FA
Designations: ✓ Mutual
Hatboro, PA
4 branches across PA
Hatboro Federal Savings, FA has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 12.24% below tier average
- + Delinquency Rate 0.22% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1.0% in tier
- - Credit Risk Growth: Bottom 20.3% in tier
- - Credit Quality Pressure: Bottom 27.9% in tier
- - Non-Interest-Bearing Deposit Share 17.68% below tier average
- - Non-Interest Income / Assets 0.26% below tier average
- - ROA 0.16% below tier average
- - Net Interest Margin 0.78% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$590.5M
+2.4% YoY
+0.9% QoQ
|
+$204.5M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
80% |
| Total Loans ? |
$469.0M
+6.7% YoY
-1.2% QoQ
|
+$213.3M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Top 13.9% in tier |
| Total Deposits ? |
$437.9M
+1.8% YoY
+0.7% QoQ
|
+$110.0M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
1.11%
+85.2% YoY
+50.7% QoQ
|
-0.16% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
3.15%
+30.1% YoY
+20.5% QoQ
|
-0.78% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
53.04%
-17.8% YoY
-14.5% QoQ
|
-12.24% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? |
0.67%
+4.2% YoY
+21.7% QoQ
|
-0.22% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
107.10%
+4.9% YoY
-1.8% QoQ
|
+30.46% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.34%
-3.1% YoY
+12.6% QoQ
|
-17.68% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.0% in tier |
| Nonperforming Asset Ratio ? |
0.53%
+8.6% YoY
+19.3% QoQ
|
-0.11% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
42.51%
+76.6% YoY
+1.2% QoQ
|
+26.67% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Top 1.2% in tier |
| Non-Interest Income / Assets ? |
0.02%
-67.5% YoY
-91.6% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.2% in tier |
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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 (0)
Concerns (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.