Hatboro Federal Savings Fa
Hatboro, Pennsylvania · FDIC Cert #30155
Hatboro Federal Savings Fa is an FDIC-insured bank (Certificate #30155) with $572M in total assets and $430M in total deposits as of the Q2 2024 Call Report. Headquartered in Hatboro, Pennsylvania, the bank maintains a Tier 1 capital ratio of 43.17% (Well-Capitalized) and a nonperforming loan ratio of 0.52%. BankHealthData assigns a composite Health Grade of A (81/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Hatboro Federal Savings Fa (FDIC cert 30155) is a community bank — $572M in total assets, $430M in deposits, serving the Hatboro, Pennsylvania area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 43.17% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.52% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 20.2% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.54% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Hatboro Federal Savings Fa carries a composite BankHealth grade of A (81/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Hatboro Federal Savings Fa
- Total Assets
- $572M
- Total Deposits
- $430M
- Tier 1 Capital Ratio
- 43.17%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.52%
- Liquidity Ratio
- 20.19%
- Return on Assets
- 0.54%
- Headquarters
- Hatboro, Pennsylvania
- FDIC Certificate
- #30155
- Health Grade
- A (81/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Hatboro Federal Savings Fa holds a Tier 1 capital ratio of 43.17%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Hatboro Federal Savings Fa has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Hatboro Federal Savings Fa shows strong financial health indicators. With $572M in assets and a Health Score of 81/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Hatboro Federal Savings Fa Compares
Hatboro Federal Savings Fa’s Health Score of 81 is 11 points above the Pennsylvania state average of 70 across 119 FDIC-insured banks. Its 43.17% Tier 1 capital ratio is 29.2 points above the US banking industry average near 14%. The 0.52% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.54% is below the national ROA benchmark of ~1.1%. Among 1405 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Hatboro Federal Savings Fa is 11 points above the portfolio average of 70.
Frequently Asked Questions
Hatboro Federal Savings Fa has a Bank Health Score of A (81/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 43.17%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Hatboro Federal Savings Fa's Tier 1 capital ratio of 43.17% and nonperforming loan ratio of 0.52% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Hatboro Federal Savings Fa is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30155). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Hatboro Federal Savings Fa holds $572M in total assets and $430M in total deposits. It is headquartered in Hatboro, Pennsylvania (FDIC Certificate #30155).
Hatboro Federal Savings Fa has a Tier 1 capital ratio of 43.17%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.52%, and the return on assets is 0.54%.
Yes. Hatboro Federal Savings Fa is FDIC-insured (Certificate #30155). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Hatboro Federal Savings Fa's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.