TellerScore

Harleysville Bank (FDIC certificate #31461) is based in Harleysville, Pennsylvania. Its Q2 2026 call report shows $963.6M in total assets and $719.2M in deposits and 7 offices.

Harleysville Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 29th. Problem-loan coverage contributes the most (98/100, 1.0%); capital cushion contributes the least (49/100, 9.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.93%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.14%
Earnings80/100
Return on assets (annualized): 1.50%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 98.4% · 10.7% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (71 → 74), mostly because the earnings component improved by 14 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202469
Q3 202469
Q4 202470
Q1 202570
Q2 202571
Q3 202571
Q4 202570
Q1 202675
Q2 202674
Tier 1 leverage ratio
5.00%7.71%10.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.04%
Q3 202410.05%
Q4 202410.20%
Q1 202510.25%
Q2 202510.42%
Q3 20259.85%
Q4 20259.84%
Q1 202610.00%
Q2 20269.93%
Noncurrent loans
0.11%0.18%0.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.24%
Q3 20240.20%
Q4 20240.21%
Q1 20250.16%
Q2 20250.14%
Q3 20250.11%
Q4 20250.19%
Q1 20260.14%
Q2 20260.14%
Return on assets
1.06%1.37%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.09%
Q3 20241.07%
Q4 20241.06%
Q1 20251.08%
Q2 20251.15%
Q3 20251.21%
Q4 20251.22%
Q1 20261.69%
Q2 20261.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$963.6M9.93%0.14%1.50%98.4%
Q1 202675$958.1M10.00%0.14%1.69%99.0%
Q4 202570$940.4M9.84%0.19%1.22%102.4%
Q3 202571$928.4M9.85%0.11%1.21%104.7%
Q2 202571$902.1M10.42%0.14%1.15%101.1%
Q1 202570$871.8M10.25%0.16%1.08%98.5%
Q4 202470$861.6M10.20%0.21%1.06%98.6%
Q3 202469$863.4M10.05%0.20%1.07%101.6%
Q2 202469$864.2M10.04%0.24%1.09%100.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.93%
30th
Total risk-based capital15.98%
73rd
Problem loans0.14%
70th
Net charge-offs0.02%
40th
Return on assets1.50%
65th
Net interest margin3.48%
27th
Efficiency ratio49.6%
84th
Loans to deposits98.4%
12th
Uninsured deposits10.7%
92nd
Loan-loss reserves0.70%
8th
Texas ratio1.0%
69th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Atlantic Community Bankers BankBank Camp Hill, PA76 out of 100, Strong$942.0M15.8%0.53%vs
First Northern Bank and Trust CompanyBank Palmerton, PA81 out of 100, Strong$921.5M15.3%1.16%vs
The Juniata Valley BankBank Mifflintown, PA70 out of 100, Strong$917.9M8.6%0.05%vs
First Resource BankBank Exton, PA67 out of 100, Moderate$840.9M8.6%0.12%vs
CfsbankBank Charleroi, PA66 out of 100, Moderate$773.4M11.0%0.24%vs
Asian BankBank Philadelphia, PA72 out of 100, Strong$685.9M19.1%1.22%vs

Deposit insurance

Is my money safe at Harleysville Bank?

Yes. Harleysville Bank is an FDIC-insured institution (FDIC certificate #31461). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.7% of deposits ($77.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.93%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.98% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Harleysville Bank lists 7 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Harleysville Bank reported 190 home-loan applications under HMDA (LEI 2549009Y4KUKP1V77375): 154 originated ($62,430,000 total), 18 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Harleysville Bank
Former names
Harleysville Savings Association; Harleysville Savings Bank
Type
SI
FDIC certificate #
31461
RSSD ID
139478
Primary regulator
FDIC
Holding company
Harleysville Financial Corp
Established
January 1, 1915
Headquarters
271 Main St, Harleysville, PA 19438
Employees
103

Quick answers

Harleysville Bank: common questions

Is Harleysville Bank FDIC insured?

Yes. Harleysville Bank is an FDIC-insured institution (FDIC certificate #31461). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Harleysville Bank's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Harleysville Bank ever failed?

There is no failure record for FDIC certificate #31461 in the FDIC failed bank list.

How many branches does Harleysville Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Harleysville

InstitutionScoreAssetsCapitalProblem loansCompare
B. Braun Federal Credit UnionCredit union Allentown, PA100 out of 100, Very strong$1.9M25.1%0.00%vs
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
SEI Private Trust CompanyBank Oaks, PA93 out of 100, Very strong$208.5M80.4%0.00%vs
The National Bank of MalvernBank Malvern, PA93 out of 100, Very strong$224.0M16.5%0.10%vs
Pinn Memorial Federal Credit UnionCredit union Philadelphia, PA91 out of 100, Very strong$276K18.1%0.00%vs