BlastPoint's Banking Scorecard

Harleysville Bank

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

Harleysville, PA

7 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 +3.2% year over year ($719.2M on the books).
Delinquency rate 0.14%.
Return on assets 1.50%.
Efficiency ratio 49.56% vs a 64.48% peer average.
Loan-to-deposit ratio 98.42% 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) →

Harleysville Bank has 3 strengths but faces 3 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

+ ROA 0.18% above tier average
+ Efficiency Ratio 14.92% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.2% in tier
- Liquidity Strain: Bottom 24.5% in tier
- Net Interest Margin 0.51% below tier average

Get updates when Harleysville Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$963.6M +6.8% YoY +0.6% QoQ	+$577.0M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	Top 1.2% in tier
Total Loans ?	$707.8M +0.5% YoY +0.9% QoQ	+$449.5M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	Top 2.2% in tier
Total Deposits ?	$719.2M +3.2% YoY +1.5% QoQ	+$392.5M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	Top 5.6% in tier
Return on Assets ?	1.50% +30.6% YoY -11.0% QoQ	+0.18%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	65%
Net Interest Margin ?	3.48% +6.3% YoY +1.2% QoQ	-0.51%	3.99% +5.0% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	27%
Efficiency Ratio ?	49.56% -12.1% YoY +7.9% QoQ	-14.92%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	0.14% +1.1% YoY -1.2% QoQ	-0.78%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	70%
Loan-to-Deposit Ratio ?	98.42% -2.6% YoY -0.6% QoQ	+20.47%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	Bottom 12.0% in tier
Non-Interest-Bearing Deposit Share ?	14.52% -2.3% YoY -1.3% QoQ	-7.51%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	0.10% -4.9% YoY -0.9% QoQ	-0.56%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	71%
Tier 1 Capital Ratio ?	15.18% +6.8% YoY +1.1% QoQ	-0.73%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.26% +104.6% YoY +35.8% QoQ	-0.30%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	66%

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	14.5% -0.3pp YoY -0.2pp QoQ	-7.6pp	22.1%	18.7%	22.2%	22%
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	2.3% -0.1pp YoY +0.2pp QoQ	-9.3pp	11.6%	8.6%	12.5%	7%
CRE	41.4% -1.5pp YoY -0.7pp QoQ	+1.9pp	39.5%	37.9%	41.4%	56%
1-4 Family	56.7% +1.6pp YoY +0.5pp QoQ	+24.0pp	32.6%	47.8%	31.3%	87%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	3.8%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	15.2% +1.0pp YoY +0.2pp QoQ	-3.6pp	18.8%	22.3%	19.7%	51%
Leverage Ratio	9.9% -0.5pp YoY -0.1pp QoQ	-2.2pp	12.2%	13.2%	12.6%	29%
Total Capital Ratio	16.0% +1.0pp YoY +0.2pp QoQ	-4.0pp	19.9%	23.3%	20.8%	48%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	103 +1 (+1.0%) YoY 0 QoQ	+44	58	299	482	88%
Assets per Employee ($)	$9.4M +5.8% YoY +0.6% QoQ	+$1.8M	$7.5M	$9.2M	$8.8M	82%
Branch Count	7 0 YoY 0 QoQ	+2	4	20	18	75%

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	0.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.9%	1.0%	24%
Allowance Coverage	4.96x -1.1% YoY +0.5% QoQ	-19.19x	24.15x	3.63x	20.23x	70%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	52%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	15.2% +3.8pp YoY -2.0pp QoQ	+3.0pp	12.2%	10.2%	11.6%	69%
Cost of Funds (YTD)	1.6% +0.1pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.8%	1.7%	46%
Net Income ($, YTD)	$7.2M +41.9% YoY — QoQ	+$4.6M	$2.6M	$18.2M	$40.4M	96%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#91 of 1256 • Bottom 7.2% in tier

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

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Liquidity Strain

risk

#170 of 691 • Bottom 24.5% 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: 98.42%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Total Assets

size

Value: $963.59M

Peer Median: $386.57M

#34 of 2643 Top 1.2% in $100M-$1B

Total Loans

size

Value: $707.84M

Peer Median: $258.35M

#59 of 2643 Top 2.2% in $100M-$1B

150

Total Deposits

size

Value: $719.20M

Peer Median: $326.73M

#150 of 2643 Top 5.6% in $100M-$1B

426

Efficiency Ratio

profitability

Value: 49.56%

Peer Median: 64.48%

#426 of 2643 Top 16.1% in $100M-$1B

Top Weaknesses (2 metrics)

2326

Loan-to-Deposit Ratio

liquidity

Value: 98.42%

Peer Median: 77.95%

#2326 of 2643 Bottom 12.0% in $100M-$1B

2057

Non-Interest-Bearing Deposit Share

funding

Value: 14.52%

Peer Median: 22.03%

#2057 of 2643 Bottom 22.2% in $100M-$1B