Peer Analysis

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Performance Ratios (%) HARL Peer Median Peer Average
ROAA 1.04 0.98 1.00
ROAE 10.99 10.23 9.88
Net Interest Margin 3.21 3.41 3.33
Efficiency Ratio 57.16 64.26 64.35
Loans / Deposits 103.96 90.67 91.15
Asset Quality Ratios (%)
NPAs / Assets 1.27 0.71 0.80
NCOs / Avg Loans 0.02 0.07 0.05
Reserves / Loans 0.78 0.94 0.97
Reserves / NPAs 48.19 88.78 120.31
Capital Ratios (%)
Tier 1 Capital 14.00 12.63 12.26
Tangible Equity / Tangible Assets 9.78 9.49 9.25
Total Equity / Total Assets 9.78 9.82 10.25
Market Ratios
Price / Earnings (x) 11.08 12.06 12.97
Price / Book (%) 116.51 115.04 122.68
Dividend Yield (%) 4.24 3.52 3.32
Data for trailing four quarters

Harleysville Financial Corporation's peer group consists of the following: American Bank Incorporated (AMBK), DNB Financial Corporation (DNBF), Embassy Bancorp Inc. (EMYB), Emclaire Financial Corp (EMCF), ENB Financial Corp (ENBP), First Keystone Corporation (FKYS), QNB Corp. (QNBC), Univest Financial Corporation (UVSP)

Harleysville Financial Corporation's financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

American Bank Incorporated's financial data is as of 6/30/2019.

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