# HAVERFORD TRUST CO
RADNOR, PA · FDIC certificate 26189 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $191.0M | |
| Deposits | $128.7M | |
| Loans and leases | $129.6M | |
| Total equity | $40.6M | |
| Loans / deposits | 100.51% (p92 of band) | 73.59% |
| Liquid assets / assets | 26.21% (p35 of band) | |
| Uninsured deposits / deposits | 37.25% (p90 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 22.49% (p92 of band) | 11.76% |
| Unrealized securities loss / equity | -77.75% (p2 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 8.63% (p98 of band) | 1.17% |
| Net interest margin | 2.22% (p3 of band) | 3.93% |
| Efficiency ratio | 80.34% (p79 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 147 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 3 | deposits shrinking, assets shrinking |  |
| 2015-09 | 1 |  | deposits shrinking, assets shrinking |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 2 | securities losses >30% of equity |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 4 | capital falling, uninsured deposits leaving |  |
| 2021-03 | 2 |  | capital falling, uninsured deposits leaving |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | deposits shrinking, assets shrinking |  |
| 2022-12 | 3 |  | assets shrinking |
| 2023-03 | 4 | uninsured deposits leaving |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 5 | capital falling, deposits shrinking, assets shrinking |  |
| 2024-06 | 2 |  | capital falling, deposits shrinking, assets shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 4 | deposits shrinking, assets shrinking |  |
| 2025-12 | 3 |  | assets shrinking |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 | loans exceed deposits | deposits shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-23 [Haverford Trust Co Invests $5.65 Million in The PNC Financial Services Group, Inc $PNC - MarketBeat](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOTkdXbjdhMjdfY1BvOG10b01Dbko5RmJIMzJraEhObUl3Y1JLOFJrVVFXQnVGckRsUF9xYWk4bzF4VlJDLXAyY0NhVjhoSXVwRmhDR1BTZVkzVklxQnRHQTZlOHVVNEZlV0I3MktJaW1fa2RVbmNiLV9PUUxhaUQxZ0pFMzFKTjROdTRxYUVUWlQ3REdZS1Q4SmRYQjlTaC1PYkFKX2RKTHpuZi1ZWVNJT1FfOGNFVDdkRzZyV0NlZGlBUjhQU19VNXJ4bnJiXzBsS0dpbmhqUVg2eTA?oc=5) · MarketBeat
- 2026-07-16 [Philadelphia's blue-collar 'boom times' drive optimism for local business leaders - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxOT1RmYXdPTl9SY0EtOWxQb21ZczFPaHdIM2RlSkE5MTg5SC16SU9BbThwM2hYOE9EOUZFdnljdGVMRmhIRHVTTVlsU3J2ZDFDblFVdVlkbS0ySG1XNC1QQVYxeTBLVUF6NUs5X196ZEY3aWM5WjdrelBtc2lrbjlzWXliZXBKbzhPdkV3a2U3SndvNGw3S0h1Y3FKUWlwWFFwYXdLdHZfSFhiODV3aUdYSQ?oc=5) · The Business Journals
- 2022-06-23 [Main Line Chamber Of Commerce Honors 8 For Leadership, Achievement - Patch](https://news.google.com/rss/articles/CBMinAFBVV95cUxPcnZDblBETWdlN1E1MFZFWlR6NEloTC1XSjRkYWhSZlpZTExUajNlUWk1Zy1rWlJMdlpwbkNfejEzc2dONGNBUUNmbEo2SkFfTlhmc21xX0pFRmtvZGFWZTVpal9xZWN4emoxWVQ3ZUtibGozMzNTS2ZDSzlLUHVTc01ZbF9hRWM3dmNCMV9IWXQ2NVMxNGpuMlNXN24?oc=5) · Patch
- 2021-03-17 [Big steaks are coming to the Main Line as DePaul’s Table replaces The Bercy in Ardmore - Inquirer.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNSVpiUGIwUG1yTU1Td08wNUVhcU1halNMVUNTRHNIcFBncUNjcEhqVld3aTFHVEdwOExFd2x1WHNBUUhpM2V6NjA0Um9ZRllTbkNjXy1tWmZSYzJXRlVrTUZxVVlHQU9Zd2hGeUx1RENiZGYwRGlOR3FLZEdMNkh1WHdYaEI5QXZZdUE?oc=5) · Inquirer.com
- 2022-07-01 [Main Line chamber’s annual awards honor business leadership - pottsmerc.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQNTZBdzVkUG9DMDFPcmdvLUFJUE9veGN3cEpZVnR6cHdXM3FZOXpBSnc0QnZla1dGMWNyV3NqbktZVmo1WW5scmRmVUN1Wmx3a3ROMFdSVVk5SzlUbGRFZWNwc2NYXzQxUnkzb3VuejFldTAtS0NUQ29LWDlFNVVTclJFV2F3SURsMWN0RXZXMmpNN3BBWmlTZDFiR2I?oc=5) · pottsmerc.com
- 2022-01-03 [WSFS adds three board members as Bryn Mawr deal officially closes - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOZ01HSkJhdEhCWTViQ3JGY0pvaFVVQXo3VDZkUXVhOGNvbWw5cTltOWpQcE5ILXYzRTBnT3dhQ1hwUm5pTXRpSmkyV3JPUW1JUllPQUM1WUw5aGRkUXNib1ZFeWpONlF4dWktUjZKNHJ4YWF6TGYzVEZ2a3dTSWdmRkU5U0libTBCWHdyZ0Z2WmV6bTFuekVwMHFibXFWQjRYLUVyYXF3QkUzNjRY?oc=5) · The Business Journals
- 2025-02-05 [Partners in Philanthropy 2025: Announcing this year’s 25 honorees - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQeXlkV0djVjNwZU40VkQ0TGFvT3FBVHByaVdVYU9yd0YtQkVPYkJPZmw3RUNkRnJfVlFBZ0VNeExPeVJjb1N1ZDR5d0lqNVlvbmZJeDBmM2RjZG03dlFoNW9VS2RRNW5RdEVBdENaRHluMlY4XzR4cjhVLS1yWHBmOExMWXVsTkVmSVdzcV93cWtpUlRGSEFkQkpMeEV2ZHctRWRNOHc2TTdWQUk?oc=5) · The Business Journals
- 2010-12-13 [On the Boards - Inquirer.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9yT1YyclUtY3ZxZUU4V09sMTFFdHpTMnozNGpiVXVZcEtVREtyVldxOUQ5SDlzVUF5OU9RVFotbllteUNZQjVjU2JBcC1LUVVhNjk0TUV3VlA0VnlBalpQZno2R014TkxtVTR5SlpMSFpocEptVS04?oc=5) · Inquirer.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26189 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "26189", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide