BlastPoint's Banking Scorecard

Harleysville Bank

$100M-$1B Specialty: Commercial PA FDIC cert 31461

Harleysville, PA

7 branches across PA

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

Harleysville Bank has 4 strengths but faces 2 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

+ Profitability Leader: Top 33.2% in tier
+ Revenue Diversifier: Top 48.4% in tier
+ Efficiency Ratio 19.36% below tier average
+ Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 28.5% in tier
- Net Interest Margin 0.49% below 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 ?	$958.1M +9.9% YoY +1.9% QoQ	+$572.0M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	Top 1.3% in tier
Total Loans ?	$701.3M +1.0% YoY -0.3% QoQ	+$445.6M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	Top 2.3% in tier
Total Deposits ?	$708.4M +0.5% YoY +3.1% QoQ	+$380.4M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	Top 6.3% in tier
Return on Assets ?	1.69% +56.0% YoY +38.8% QoQ	+0.42%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	3.44% +7.7% YoY +2.5% QoQ	-0.49%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	28%
Efficiency Ratio ?	45.93% -22.2% YoY -15.6% QoQ	-19.36%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Top 9.9% in tier
Delinquency Rate ?	0.14% -12.1% YoY -25.5% QoQ	-0.74%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	99.01% +0.5% YoY -3.3% QoQ	+22.37%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	Bottom 9.6% in tier
Non-Interest-Bearing Deposit Share ?	14.71% -1.7% YoY -0.4% QoQ	-7.31%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	23%
Nonperforming Asset Ratio ?	0.11% -19.2% YoY -27.1% QoQ	-0.53%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	15.01% +4.8% YoY +2.9% QoQ	-0.82%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.19% +190.7% YoY -23.3% QoQ	-0.09%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	85%

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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 (2)

Profitability Leader

growth

#222 of 666 • Top 33.2% in tier

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

Why this signature

Return on Assets: 1.69%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#323 of 666 • Top 48.4% 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: 0.19%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.69%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Strain

risk

#184 of 643 • Bottom 28.5% 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: 99.01%

(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

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 (6 metrics)

Total Assets

size

Value: $958.05M

Peer Median: $386.08M

#35 of 2664 Top 1.3% in $100M-$1B

Total Loans

size

Value: $701.33M

Peer Median: $255.72M

#62 of 2664 Top 2.3% in $100M-$1B

168

Total Deposits

size

Value: $708.37M

Peer Median: $327.97M

#168 of 2664 Top 6.3% in $100M-$1B

264

Efficiency Ratio

profitability

Value: 45.93%

Peer Median: 65.29%

#264 of 2664 Top 9.9% in $100M-$1B

407

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#407 of 2664 Top 15.2% in $100M-$1B

609

Return on Assets

profitability

Value: 1.69%

Peer Median: 1.27%

#609 of 2664 Top 22.8% in $100M-$1B

Top Weaknesses (2 metrics)

2410

Loan-to-Deposit Ratio

liquidity

Value: 99.01%

Peer Median: 76.64%

#2410 of 2664 Bottom 9.6% in $100M-$1B

2044

Non-Interest-Bearing Deposit Share

funding

Value: 14.71%

Peer Median: 22.02%

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