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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

Harleysville Bank

Harleysville, Pennsylvania · $964M in assets · beside the 11 other Pennsylvania banks between $300M and $1B

The filing

+0.5%
Loans, year over year
12th of 12, largest first
1.49%
ROA
2nd of 12
284.4%
CRE / capital
11th of 12

Harleysville Bank is the largest of the 12 Pennsylvania banks nearest its size between $300M and $1B, with $964M in assets at 30 June 2026. Loans are 99.1% of deposits, 10th of 12 against a median of 92.2%, and equity is 9.9% of assets, 6th of 12. Loans grew +0.5% in the year, the slowest in the cohort, and deposits grew 3.2%; the cohort's median loan growth is +6.1%.

Noncurrent loans are 0.14% of the book, 5th of 12 against a median of 0.25%; 0.21% is 30 to 89 days past due, and the allowance covers them 5.0 times. Commercial real estate is 40.1% of loans, 8th of 12 against a median of 30.4%, and 284% of capital, below the 300% screen, with construction at 4% against the 100% screen.

Return on assets is 1.49%, 2nd of 12 against a median of 1.21%, on an efficiency ratio of 49.6%, 3rd of 12. Five years ago it was 0.85%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsPA banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 1.21% PB PS Bank 1.94% HB Harleysville Bank 1.49% FN First Northern Bank & Trust Co. 1.42% FR First Resource Bank 1.37% AB Asian Bank 1.34% AC Atlantic Community Bankers Bank 1.26% JV Juniata Valley Bank 1.15% NT New Tripoli Bank 1.15% IB Infirst Bank 1.01% PB Pennian Bank 0.38% RS Reliance Savings Bank 0.29% C Cfsbank 0.21%
Loans, year over yearPA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.1% AB Asian Bank +16.9% FR First Resource Bank +16.3% JV Juniata Valley Bank +14.4% C Cfsbank +10.2% PB PS Bank +8.5% RS Reliance Savings Bank +6.2% IB Infirst Bank +5.9% FN First Northern Bank & Trust Co. +3.5% NT New Tripoli Bank +3.4% AC Atlantic Community Bankers Bank +3.3% PB Pennian Bank +1.2% HB Harleysville Bank +0.5%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Harleysville BankRankCohort median
Total CRE against capital, the 300% screen284%11th of 12159%
Construction against capital, the 100% screen4%1st of 1219%
Construction and land development, share of loans0.6%1st of 123.1%
Non-owner-occupied nonfarm nonresidential, share of loans31.3%10th of 1215.2%
Total CRE, the guidance definition, share of loans40.1%8th of 1230.4%
CRE growth over 36 months, the third prong+16.4%4th of 12+27.6%
Commercial real estate against capital, the 300% screenPA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 159% C Cfsbank 48% PB PS Bank 93% RS Reliance Savings Bank 136% IB Infirst Bank 140% NT New Tripoli Bank 142% PB Pennian Bank 150% FN First Northern Bank & Trust Co. 167% AB Asian Bank 251% AC Atlantic Community Bankers Bank 262% JV Juniata Valley Bank 282% HB Harleysville Bank 284% FR First Resource Bank 454%
CRE growth over 36 months, the guidance's third prongPA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +27.6% PB Pennian Bank -19.6% FN First Northern Bank & Trust Co. +12.0% NT New Tripoli Bank +13.5% HB Harleysville Bank +16.4% C Cfsbank +17.6% IB Infirst Bank +27.4% AC Atlantic Community Bankers Bank +27.8% RS Reliance Savings Bank +35.1% JV Juniata Valley Bank +48.6% PB PS Bank +54.6% FR First Resource Bank +67.1% AB Asian Bank +76.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Harleysville Bank$964M1.5%49.6%0.14%0.02%0.7%99.1%9.9%
Atlantic Community Bankers Bank$942M1.3%73.1%0.53%-0.02%1.6%104.0%16.2%
First Northern Bank & Trust Co.$921M1.4%59.3%1.16%-0.14%1.6%75.2%14.8%
Juniata Valley Bank$918M1.2%60.2%0.05%0.00%1.2%79.0%6.7%
First Resource Bank$841M1.4%53.2%0.12%0.00%0.8%96.9%8.3%
Cfsbank$773M0.2%90.4%0.24%0.01%0.5%77.4%9.8%
Asian Bank$686M1.3%47.4%1.22%0.05%1.1%117.2%18.5%
Infirst Bank$683M1.0%65.3%0.10%0.00%1.2%98.4%9.2%
PS Bank$675M1.9%49.5%0.10%0.01%1.2%75.1%10.4%
New Tripoli Bank$674M1.1%57.7%0.89%0.00%1.1%87.4%7.9%
Pennian Bank$668M0.4%88.8%1.09%0.01%1.2%77.3%7.4%
Reliance Savings Bank$649M0.3%88.8%0.26%0.01%0.9%98.3%12.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Harleysville BankCohort median
20212026Change20212026Change
Loans$573M$713M+24%$395M$554M+40%
Deposits$730M$719M-1%$471M$607M+29%
NPA / loans1.20%0.14%-1.06 pts0.45%0.25%-0.20 pts
Efficiency58.3%49.6%-8.7 pts66.3%59.8%-6.5 pts
ROA0.85%1.49%+0.64 pts0.84%1.21%+0.37 pts

This read was prepared for Harleysville Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Harleysville Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks $300M to $1B
Institution www.harleysvillebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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