# HARLEYSVILLE BANK
HARLEYSVILLE, PA · FDIC certificate 31461 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $963.6M | |
| Deposits | $719.2M | |
| Loans and leases | $712.8M | |
| Total equity | $95.6M | |
| Loans / deposits | 98.42% (p87 of band) | 82.04% |
| Liquid assets / assets | 22.47% (p41 of band) | |
| Uninsured deposits / deposits | 10.72% (p5 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 15.13% (p87 of band) | |
| FHLB advances / assets | 13.44% | |
| Tier 1 leverage | 9.93% (p32 of band) | 10.81% |
| Unrealized securities loss / equity | -8.54% (p48 of band) | -8.10% |
| AOCI / equity | 0.00% (p75 of band) | |
| ROA (annualized) | 1.50% (p64 of band) | 1.28% |
| Net interest margin | 3.48% (p27 of band) | 3.91% |
| Efficiency ratio | 49.56% (p18 of band) | |
| Noncurrent loans | 0.14% (p28 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p58 of band) | |
| Reserve coverage of noncurrent | 496.11% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 4.26% (p8 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 | 3.2% | |
| Employees | 103 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | wholesale funding >15%, leverage <7%, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | leverage <7% |
| 2012-03 | 4 | leverage <7% |  |
| 2012-06 | 2 |  | NIM <2.5%, leverage <7% |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 4 | NIM <2.5% |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 3 |  | uninsured deposits leaving |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | NIM <2.5% |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | deposits shrinking |  |
| 2014-12 | 4 | loans exceed deposits |  |
| 2015-03 | 2 |  | deposits shrinking, loans exceed deposits |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | loans exceed deposits |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | loans exceed deposits |
| 2016-06 | 3 | loans exceed deposits |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | loans exceed deposits |
| 2017-06 | 3 | loans exceed deposits |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | wholesale funding >15% |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | uninsured deposits leaving |  |
| 2020-03 | 2 |  | loans exceed deposits |
| 2020-06 | 2 | capital falling | uninsured deposits leaving |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2022-09 | 1 |  | charge-offs p90 |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking |  |
| 2023-06 | 2 |  | uninsured deposits leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | loans exceed deposits | deposits shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | loans exceed deposits |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | loans exceed deposits |  |
| 2025-09 | 3 | wholesale funding >15%, uninsured deposits leaving |  |
| 2025-12 | 4 | capital falling |  |
| 2026-03 | 2 |  | loans exceed deposits, capital falling |
| 2026-06 | 2 |  |  |

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

- 2025-12-22 [Harleysville Financial Corporation and Harleysville Bank Announce Change to Executive Management Team - Business Wire](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNcXhsWnNldFpRVjZpbDU5VWUwQ3M3VzV3OHhOVWZuNU83bHlYZEhjRUpRb2RoaXRWOVAzRVBIcHZzcThKUTc3bTA4eVRvTFFrdHV6dUdoX1hiNWtlWm1mZHo4QTdtazg0ZGNQOXVBbUktMk16Y2NzdF9GcnZxNHNBdTdGY3B3V3NnalN0MVF3aVlZTGwtamRyT285cUxiNGQ2YTAySlNJTnRVcVpxNHpGNjdRWktWTVhQbGYtLTVfWnJURXpYNmVEY1RVVHF6YWFjekhkMzVlZVlWY2RJZEgtVEYyc1VMRUhVZ2tPTUtPNA?oc=5) · Business Wire
- 2026-01-02 [Harleysville Bank Names New Senior Commercial Lending Leader for 2026 - MyChesCo](https://news.google.com/rss/articles/CBMisAFBVV95cUxQaE5PUTlRZmZtSGt5V3kwQjVyMFZPRkt4VUdzT3ViRWFwaU1lMjZlWWNGSk1DOWFMSTY5VlF5TDZPdngzY25fU1JYRlk3c25qUWVMT3BIVzhNWVUzSDRUZ3RVUHE5ZlRkQmk3QVBNSUIyYjhQbVNUUHZ6QTdXekdJdnpWTjUtdnpkWTVyUWNXVXNyNDZFX0M5ZDhEZV9FNERFZUx5Ui1mU2xWQWs5STdvUQ?oc=5) · MyChesCo
- 2026-07-16 [Harleysville Financial Corporation Announces the Approval of a 5% Stock Repurchase Program - Yahoo Finance](https://news.google.com/rss/articles/CBMiugFBVV95cUxQMzZLZzJwc1U5ek11NlhsSVIxYUZzS3hMOXBlUm1ZQi1VS0hVX3pVVHdIWktncGtlNmJyWVF5bnIzQjFlZWZzQ0hRamdrZmlKS2pybEZLaVNxbnJIcHdVRlMxZE1OM1IzSlcxNWtpU3htS0FQS0puQUZRbWE0VmxxcUlENFZLZWhFRUVtUGplVWpFeWJ0RGpDdVREaHp3c0VQeXZ1VnFEVjFhNDRJSGdRM29HZzJZeEZNMUE?oc=5) · Yahoo Finance
- 2025-04-24 [Harleysville (HARL) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTFBaMVNPT1RPUXJFbnUybHU2RUpUNU9zQTRkcHVNU1dyX25CMFNoczh5bDFfci04aEpPSG5HeTI4OTBtWUF0eWZJdnhpUlM3SDQ4WGxv?oc=5) · stocktitan.net
- 2023-03-21 [Former Harleysville Bank building sells for twice what it sold for in August - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQeldESDhXelpGMDlIUnFVeGREVFdLdXllZVRjWGFwVGVYNUhURVM2M18xenIzajFsb3hGUklSUHdhd01SYnlrV3YxYUxBajJmYkJvT2NDU2xFQ3Z6QzhvbVJqRWJhQmxGdmVaSzR6Ylh5YXZFQXJGQzViTjhMSno3d0RITmNPaUl1ZXNnTUlpMC1rRDNzYkd4dw?oc=5) · The Business Journals
- 2023-03-25 [Bala Cynwyd Real Estate Firm Flips Harleysville Bank Building for Nearly 2× Former Purchase Price - MONTCO.Today](https://news.google.com/rss/articles/CBMibkFVX3lxTE9yNlBON0pISzNLUEs1QnhWNU9BTVE4NkNqc2VRMzRPRk9CWnVQLTJ1TWh0OG5ySG5KbTEwQ0VsQlpkaXJTM2lVSjRwN21DZUJTMGtuZTRhTmdoX0F0UjU3ak9ySFJpdkZoaHR5dmx3?oc=5) · MONTCO.Today
- 2026-07-15 [Harleysville Financial Corporation Announces Regular Cash Dividend and Third Quarter Earnings for Fiscal Year 2026 - Business Wire](https://news.google.com/rss/articles/CBMigAJBVV95cUxOWUVkUms2NlpuU01KUHJvR01yS2dxUk9OSGtvcms3aWZCN1RwQW1LbVV4azZ5ajhYbU0zTDhUMGFJcWVTTzBEYVAzY1R5YmNLZGtoblBmOFJWaGJDVWhvQVFVczRTOTNmdlRqT1FHSWMwVkhMYUxtYUdWSVJOWXh4TXhmQV9uLTRJUktxMVZMNVJ1SHowUEpDaUppR05VUXhBUHVrVUxtbm1EWXVsZ2FFamFqZ1VUMU9HMXJYU1lQYi1Qc25DUHctSmx2VUJFNEt0T1BNSUI5cGhIWGRUbDRicTFLUTVyaGxYSlQ0LXN1OWw5RkVUdWs0NWtZUUliUGZK?oc=5) · Business Wire
- 2026-02-18 [Edward J. Molnar Obituary (2026) - Harleysville, PA - Williams-Bergey-Koffel Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPLVRJU2ppNHVNLVI1QzN0Vmx2Qldybk5kOW1sSjNjRjFiTDNLd21CZDYtUVVlMl9zVi1zbGs4V1FHUk5TOEdHNVVPTFFkSnp6Y3JRdmdFcC0xc1l1WlQzMF9BOTkwOVpBTVA3Mk9sdmJIbC02d3E4RnY5R1EtMHp2YXdB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31461 (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/37.json (key "31461", 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