Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Harleysville, PA · FDIC certificate #31461
HARLEYSVILLE BANK is an FDIC-insured institution based in Harleysville, PA (FDIC certificate #31461). In its Q3 2026 Call Report it reported total assets of $978M, total deposits of $702M and net loans of $718M. Its primary federal regulator is FDIC.
Plain-language readout
HARLEYSVILLE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $978M in Q3 2026 and were lowest at $958M in Q1 2026.
Total deposits were highest at $719M in Q2 2026 and lowest at $702M in Q3 2026.
Over the whole period total assets rose 2.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $978M | $702M | $718M | 1.44% | 14.61% | 3.52% |
| Q2 2026 | $964M | $719M | $708M | 1.50% | 15.24% | 3.48% |
| Q1 2026 | $958M | $708M | $701M | 1.69% | 17.19% | 3.44% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $11.2M | $7.9M | +$3.3M | +42.4% |
| Federal funds sold | $28K | $415K | -$387K | -93.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $205.2M | $205.1M | +$96K | +0.0% |
| Equity securities with readily determinable fair values, not held for trading | $65K | $16K | +$49K | +306.3% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $707.8M | $701.3M | +$6.5M | +0.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $10.8M | $10.2M | +$590K | +5.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $28.4M | $33.1M | -$4.7M | -14.1% |
| Total assets | $963.6M | $958.1M | +$5.5M | +0.6% |
| Liabilities | ||||
| Total deposits | $719.2M | $708.4M | +$10.8M | +1.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $13.5M | $9.1M | +$4.4M | +48.7% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $132.3M | $143.7M | -$11.4M | -7.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.0M | $2.4M | +$638K | +26.9% |
| Total liabilities | $868.0M | $863.5M | +$4.5M | +0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $23K | $23K | $0K | 0.0% |
| Surplus | $7.4M | $7.6M | -$147K | -1.9% |
| Retained earnings | $88.1M | $86.9M | +$1.2M | +1.4% |
| Accumulated other comprehensive income | $4K | $4K | $0K | 0.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $95.6M | $94.6M | +$1.0M | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.0M | $1.0M | -$3K | -0.3% |
| Adjusted nonperforming assets | $1.0M | $1.0M | -$3K | -0.3% |
| Tangible equity plus allowance | $100.6M | $99.5M | +$1.0M | +1.1% |
| Texas ratio (gross) | 1.00% | 1.01% | -0.01 pts | See points |
| Texas ratio (adjusted) | 1.00% | 1.01% | -0.01 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.45% | 1.47% | -0.03 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.18% | 15.01% | +0.17 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.18% | 15.01% | +0.17 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.80% | 0.80% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.98% | 15.81% | +0.17 pts | See points |
| Tier 1 leverage (approximate) | 9.93% | 10.00% | -0.06 pts | See points |
| Construction and land loans to total capital | 4.05% | 3.87% | +0.17 pts | See points |
| Commercial real estate to total capital | 284.40% | 288.99% | -4.58 pts | See points |
| Dividend payout, year to date | 51.64% | 39.38% | +12.26 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.47% | -7.86% | -0.62 pts | See points |
| Liquidity | ||||
| Core deposits | $682.1M | $673.9M | +$8.2M | +1.2% |
| Non-core funding | $182.9M | $187.2M | -$4.3M | -2.3% |
| Loans to core deposits | 104.50% | 104.80% | -0.30 pts | See points |
| Loans to deposits | 99.11% | 99.71% | -0.59 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 13.11% | 13.82% | -0.71 pts | See points |
| Loans pledged, share of loans | 100.00% | 100.00% | 0.00 pts | See points |
| Volatile liabilities | $182.9M | $187.2M | -$4.3M | -2.3% |
| Earnings | ||||
| Earnings before provision, year to date | $9.2M | $5.2M | +$4.0M | +77.9% |
| Earnings before provision, single quarter | $4.0M | $5.2M | -$1.1M | -22.1% |
| Provision for credit losses, year to date | $173K | $174K | -$1K | -0.6% |
| Yield and cost | ||||
| Yield on loans and leases | 5.36% | 5.27% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 2.19% | 2.11% | +0.08 pts | See points |
| Total interest income to average assets | 4.91% | 4.83% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.73% | 0.65% | +0.07 pts | See points |
| Cost of savings and money market deposits | 0.27% | 0.26% | +0.01 pts | See points |
| Cost of time deposits | 3.25% | 3.14% | +0.11 pts | See points |
| Total interest expense to average assets | 1.57% | 1.55% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $978M | $702M | $718M | 1.44% | 14.61% | 3.52% |
| 2026-06-30 | $964M | $719M | $708M | 1.50% | 15.24% | 3.48% |
| 2026-03-31 | $958M | $708M | $701M | 1.69% | 17.19% | 3.44% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $697M | 0.12% | 68 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.