# HUNTINGDON VALLEY BANK
HUNTINGDON VALLE, PA · FDIC certificate 30464 · asset band $300M-1B · latest filing 2023-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $626.7M | |
| Deposits | $527.9M | |
| Loans and leases | $493.2M | |
| Total equity | $51.9M | |
| Loans / deposits | 92.78% (p81 of band) | 76.02% |
| Liquid assets / assets | 17.16% (p20 of band) | |
| Uninsured deposits / deposits | 27.18% (p53 of band) | 26.16% |
| Brokered deposits | 8.05% | |
| Wholesale funding | 13.89% (p85 of band) | |
| FHLB advances / assets | 5.85% | |
| Tier 1 leverage | 8.80% (p17 of band) | 10.17% |
| Unrealized securities loss / equity | -7.33% (p78 of band) | -20.45% |
| AOCI / equity | 0.70% (p28 of band) | |
| ROA (annualized) | 0.49% (p15 of band) | 1.08% |
| Net interest margin | 3.72% (p60 of band) | 3.52% |
| Efficiency ratio | 83.86% (p90 of band) | |
| Noncurrent loans | 0.64% (p79 of band) | 0.22% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 105.48% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 186.17% (p97 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 12.5% | |
| Employees | 118 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | expense ratio p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | losing money |
| 2012-03 | 2 | expense ratio p90 |  |
| 2012-06 | 1 |  | expense ratio p90 |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 3 | losing money, expense ratio p90 |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 5 | leverage <7%, capital falling |  |
| 2013-12 | 4 |  | losing money |
| 2014-03 | 5 | losing money |  |
| 2014-06 | 4 |  | capital falling |
| 2014-09 | 2 |  | expense ratio p90, losing money |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 3 | expense ratio p90 | capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 1 |  | leverage <7%, expense ratio p90 |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | leverage <7%, capital falling |  |
| 2017-03 | 3 | expense ratio p90, NIM <2.5% | leverage <7%, capital falling |
| 2017-06 | 2 |  | expense ratio p90 |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | deposits shrinking, uninsured deposits leaving | NIM <2.5% |
| 2018-03 | 4 | wholesale funding >15%, capital falling, expense ratio p90 | deposits shrinking, uninsured deposits leaving |
| 2018-06 | 2 |  | wholesale funding >15%, expense ratio p90 |
| 2018-09 | 5 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2018-12 | 3 | expense ratio p90 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |
| 2019-03 | 4 | charge-offs p90, uninsured deposits leaving | capital falling |
| 2019-06 | 5 | brokered >10%, wholesale funding >15% | charge-offs p90 |
| 2019-09 | 4 | loans exceed deposits | uninsured deposits leaving, brokered >10% |
| 2019-12 | 5 | capital falling |  |
| 2020-03 | 3 |  | wholesale funding >15%, capital falling |
| 2020-06 | 3 | wholesale funding >15% | expense ratio p90 |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 | uninsured deposits >50%, NIM <2.5% | loans exceed deposits, wholesale funding >15% |
| 2021-03 | 5 | leverage <7%, capital falling, charge-offs p90 | uninsured deposits >50% |
| 2021-06 | 2 |  | leverage <7%, capital falling, charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 5 | construction >100% equity, deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5% |
| 2022-03 | 4 | expense ratio p90 | deposits shrinking, uninsured deposits leaving |
| 2022-06 | 1 |  | reserve under noncurrent, assets shrinking, expense ratio p90 |
| 2022-09 | 2 | charge-offs p90 |  |
| 2022-12 | 3 | capital falling, expense ratio p90 | charge-offs p90 |
| 2023-03 | 1 |  | capital falling, expense ratio p90 |

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

- 2022-10-19 [Huntingdon Valley Bank parent agrees to $67M sale to Pennsylvania bank - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNLVZCd3FkZnVxV21oRFdwY2R3RGRFUVlJOEtXNjIxbF9uZTVLbENvUFp4TG4tMmt6c1p4bVZIU0puMVZPaldXYzZQWUpudDByekVMN2lSOHVTeEJGV3c4aWMzbXFydS1lMEVKRVJER0JiXzQ2R1JmcW1lT0stUWlDbUJIdzh3RUxqU25TTFh1cTBSYm9PRDQ0QlkxVmxGQXFibDdES0ptUGVxX3FOXzY0?oc=5) · The Business Journals
- 2023-07-09 [Huntingdon Valley Bank absorbed by Citizens Financial Services - Glenside Local](https://news.google.com/rss/articles/CBMikwFBVV95cUxORkhQUmhia3NVWlZNZlE5RDd0ZHpEUzlla2xNbUluRF9nblh1eDBFMW9icmlQcDA1MjNGWEtjX0liYi1YajNKOFAyS3hYRm16ZlEyWXoydGIzNUkyVHdYTnlHQ0N5QXRXblhKWGpNTVJzQXA3VXR5Q1RqMERnNnI4QlpwT2Joeld4V0tSVVpvbkZ0S0k?oc=5) · Glenside Local
- 2022-02-16 [Fast Growing Huntingdon Valley Bank Expands; Adds Key Commercial Team - Yahoo Finance](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPekFrNnhLS1lQNGhHckxMSzFsbUJpU2M0X2cyaGNvdFQxOFg3amxlTXg5dGxYWE9JcjdJTnY3VlNsdDNNMjRsZDRUaGIxa3RWdWg1TnNzRGRqOFB3bVhLWW1WbmNraUctR3Nhc2p2bU1nRDJiVUxSdmJwczhBdXRMNzAyRUZqSHp3?oc=5) · Yahoo Finance
- 2020-11-23 [Delaware River is no barrier for small banks in South Jersey - Courier-Post](https://news.google.com/rss/articles/CBMixAFBVV95cUxNTlUyMmFIRmRXVzZMOWU0dGp2eTZIVEdlQmllZm5zcXRULWdYWnBlcEtnaFNBNDZnV0tYYXRsMXVKRHBKUUVlTzFYY2M3SWhYRVc0b1hTenJHeGtfcXNEd01DV19KTXdvRFhERlkyUXdqeUZpZl9Ka016Zk1XalJqUVYzcXppLU9icWIwZEgzMHZQeDJtSUtwVmMzZE1nMWlMc2U2aTQ4Wi0yaEtqcHBnMGRjdlpZamE4VUxzTndwUE5LLVBW?oc=5) · Courier-Post
- 2020-07-10 [Banks seek more fintech help for PPP's next phase - American Banker](https://news.google.com/rss/articles/CBMijAFBVV95cUxOY1FXSWxVUE1xNjJuU2NKbGRpdU0xSzBxU2w5UXBiTlg2TzRuQmEzU2JyTGpZUm1UbHpQcUo0V2pqM1dETUFEQXZEelN6U1VSSlFYeUN4RE9Wd2sxUTNpMXZ6SUs1U2xqVnVrbHEtekhkUkRqaWQ1cWJEZzFZRllFcG8tUTNhdGVoLXUwSQ?oc=5) · American Banker
- 2022-08-25 [Huntingdon Valley Bank To Access Up To $100M Of DeFi Funding Via MakerDAO - Crowdfund Insider](https://news.google.com/rss/articles/CBMivgFBVV95cUxPREZWcXNRLUxuRVNrRFJBT3hScEFGbDA5QWRZUEZiRVQwME1MbTFRdlRlMkVpX1ZiRWFIYnFZM3B5Q3BkSjR4YUs2TTA4emEyT19JNG52bG14dWNLdkMzTnhIcnlIeXZfVkNZSFZJVEZ6VGdFUHZMM1Z0b2dfM19pZDIxYWs3c3ZxdnYyUndwYUhjUldaLUFQa3VkOGxQd1Z5Um9PUmEySjg1Z0MzRjlieHhNdGs1NHVua01QdzdB?oc=5) · Crowdfund Insider
- 2022-09-07 [DeFi pioneer MakerDAO funds regulated US bank - Euromoney](https://news.google.com/rss/articles/CBMirwFBVV95cUxPSEd0QUNqYzl1UnJrNWlQZFNtRDQ3NENYbzBJZWZKY01HWms3NEN1RHg5RlM1SDF1cGxHNUVXLTdsYTFXUFJNODRmVkY1QTRTa1pHcHE1SnBpV3RHZGc4M2hFYVVvM1VObTNlSzR0RzFVRi1jakl0emxoODlzZW9ZTFZab2xTb1dMc2JwSlFSbWlMUlB0cWRQNnRSVDhxZlFOUVF3TzdMRm1SLUVDM1pJ?oc=5) · Euromoney
- 2023-10-30 [TruMark acquires 8-person commercial lending team led by Daniel Krewson - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQVHZvVEJSa250RGNSUVlQYnZSSDlDZ0ZOWnJ4TkFxSWFZOG9OTjNMUUdjUTZzNHhqdUNndFM4aXd2dTllVnZoejRlOVRXQ3htbUdDRVM3cmNBQm1jT3BXeXRhS1F3bDZUZmM2UlBpMTA0bHVzTzM2Nl9pQ25iUU8yMzNZbFNnaktmQnNtcVRCSThZQWFBS1RvNUliekp1cWZkYnBGZGlJM1NkaDBaNmkw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30464 (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/0.json (key "30464", 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