Harleysville Savings Bank

Harleysville Savings Bank is headquartered in Harleysville and is the 38^th largest bank in the state of Pennsylvania. It is also the 776^th largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 114 employees at 8 locations. Harleysville Savings Bank's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Harleysville Savings Bank Routing Number: 231372361

Harleysville Savings Bank Checking Account Rates

Harleysville Savings Bank Savings Account Rates

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Harleysville Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics Harleysville Savings Bank FDIC Certificate # 31461 BankRate Report View Year Established 1915 Employees 114 Primary Regulator FDIC Assets and Liabilities Assets $850.92 million Loans $508.14 million Deposits $561.28 million Equity Capital $57.74 million Loan Loss Allowance $3.81 million Unbacked Noncurrent Loans $8.53 million Real Estate Owned $313,000 Historic Data - March 2011 Assets $856.54 million Equity Capital $55.06 million Loan Loss Allowance $2.80 million Unbacked Noncurrent Loans $3.24 million Real Estate Owned $372,000 Profit Margin - Quarterly Net Interest Margin 2.45% Return on Assets 0.65% Return on Equity 9.49% Interest Income $8.80 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Harleysville Savings Bank had $8.85 million in non-current loans and owned real-estate with $61.54 million in equity and loan loss allowances on hand to cover it. This gives Harleysville Savings Bank a Texas Ratio of 14.37% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Harleysville Savings Bank increased slightly from 6.25% as of March 31, 2011 to 14.37% as of March 31, 2012, resulting in a negative change of 129.97%. This indicates that the balance sheet and financial strength for Harleysville Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, Harleysville Savings Bank has increased its total deposits by $27.28 million, resulting in 5.11% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Harleysville Savings Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Harleysville Savings Bank has $850.92 million in assets with $61.54 million in equity, resulting in a capitalization level of 7.23%, which is below average.

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