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Overview / Commentary
215-256-8828
271 Main Street
Harleysville, PA 19438

Harleysville Savings Bank is headquartered in Harleysville and is the 44th largest bank in the state of Pennsylvania. It is also the 826th largest bank in the nation. It was established in 1915 and as of December of 2013, it had grown to 114 employees at 9 locations. Harleysville Savings Bank's savings rates are 25% higher than the national average, and it has a C+ health rating.

Reviews (1)

Harleysville Savings Bank Is The Best Neighborhood Bank.

We have been with Harleysville Savings Bank for 20 years and I recommend them for their care and concern.  I had a transaction that was a surprise and they forgave the fees for something that was not my fault.  While they operate with integrity, they understand that sometimes things happen and need forgiveness.

 



Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
B

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 December 31, 2013 Harleysville Savings Bank had $14.39 million in non-current loans and owned real-estate with $65.81 million in equity and loan loss allowances on hand to cover it. This gives Harleysville Savings Bank a Texas Ratio of 21.86% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Harleysville Savings Bank increased slightly from 14.83% as of December 31, 2012 to 21.86% as of December 31, 2013, resulting in a negative change of 47.44%. This indicates that the balance sheet and financial strength for Harleysville Savings Bank has declined slightly in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Harleysville Savings Bank has decreased its total deposits by -$17.59 million, resulting in -3.16% 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 below average.

Capitalization

GRADE:
C

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 $816.19 million in assets with $65.81 million in equity, resulting in a capitalization level of 8.06%, which is average.

Institution Statistics

Overall
FDIC Certificate #31461
Year Established1915
Employees114
Primary RegulatorFDIC
Assets and Liabilities
Assets$816.19 million
Loans$483.55 million
Deposits$539.12 million
Equity Capital$62.25 million
Loan Loss Allowance$3.57 million
Unbacked Noncurrent Loans$14.36 million
Real Estate Owned$28,000
Historic Data - December 2012
Assets$813.88 million
Equity Capital$60.29 million
Loan Loss Allowance$4.14 million
Unbacked Noncurrent Loans$14.36 million
Real Estate Owned$111,000
Profit Margin - Quarterly
Net Interest Margin2.39%
Return on Assets0.63%
Return on Equity8.36%
Interest Income$30.24 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Harleysville Savings Bank, we are a rate comparison website and can not provide official rates or promotions.

Harleysville Savings Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.65%--Trusty's Club Savings
0.65%--iSave Student Savings
0.10%$2,500-Statement Savings
0.10%$2,500-Passbook Savings

Harleysville Savings Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.18%$25k-Money Market Plus
0.10%--IRA Money Market Passbook
0.10%--Roth IRA Money Market Passbook

Harleysville Savings Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.08%$2k-Personal Checking Plus
0.04%--Interest Checking
0.04%--50-Plus Checking

Harleysville Savings Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.09%$500-60 Month CD
0.84%$500-48 Month Rising Rate CD
0.68%$500-36 Month CD
0.36%$500-24 Month CD
0.26%$500-18 Month CD
0.26%$500-20 Month Rising Rate CD
0.23%$500-17 Month CD
0.21%$500-12 Month CD
0.21%$500-15 Month CD
0.20%$500-9 Month CD
0.14%$500-6 Month CD
0.10%$500-3 Month CD
0.05%$500-7 Month No Penalty CD

Harleysville Savings Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.09%$500-60 Month IRA CD (Traditional,Roth,CESA)
0.84%$500-48 Month Rising Rate IRA CD (Traditional,Roth,CESA)
0.68%$500-36 Month IRA CD (Traditional,Roth,CESA)
0.36%$500-24 Month IRA CD (Traditional,Roth,CESA)
0.26%$500-18 Month IRA CD (Traditional,Roth,CESA)
0.26%$500-20 Month Rising Rate IRA CD (Traditional,Roth,CESA)
0.23%$500-17 Month IRA CD (Traditional,Roth,CESA)
0.21%$500-12 Month IRA CD (Traditional,Roth,CESA)
0.21%$500-15 Month IRA CD (Traditional,Roth,CESA)
0.20%$500-9 Month IRA CD (Traditional,Roth,CESA)
0.14%$500-6 Month IRA CD (Traditional,Roth,CESA)
0.10%$500-3 Month IRA CD (Traditional,Roth,CESA)
0.05%$500-7 Month IRA CD (Traditional,Roth,CESA)
Locations


Harleysville Savings Bank Locations
Hatfield Branch1550 Hatfield Valley RoadHatfield, PA 19440
Upper Providence Branch1889 Ridge PikeRoyersford, PA 19468
Norristown Branch2301 West Main StreetNorristown, PA 19403
Harleysville Savings Bank271 Main StreetHarleysville, PA 19438
Sumneytown Branch3090 Main StreetSumneytown, PA 18084
Souderton Branch41 N. County Line RoadSouderton, PA 18964
Lansdale Branch640 East Main StreetLansdale, PA 19446