Bank Comparison
Hearthside Bank Corporation vs Hatboro Federal Savings
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Hearthside Bank Corporation | Hatboro Federal Savings |
|---|---|---|
| CET1 Ratio | 13.95% | 42.51% |
| Tier 1 Capital Ratio | 13.95% | 42.51% |
| Total Capital Ratio | 15.20% | 43.46% |
| Tier 1 Leverage Ratio | 10.05% | 24.49% |
| Equity / Assets | 8.99% | 24.24% |
Profitability
| Metric | Hearthside Bank Corporation | Hatboro Federal Savings |
|---|---|---|
| Return on Assets (ROA) | 0.78% | 1.10% |
| Return on Equity (ROE) | 8.73% | 4.57% |
| Net Interest Margin (NIM) | 3.81% | 3.12% |
| Yield on Earning Assets | 5.72% | 5.23% |
| Cost of Funds | 2.06% | 2.65% |
Asset quality
| Metric | Hearthside Bank Corporation | Hatboro Federal Savings |
|---|---|---|
| Texas Ratio | 2.38% | 5.73% |
| Non-Performing Loan Ratio | 0.30% | 1.78% |
| Non-Performing Asset Ratio | 0.24% | 1.42% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.21% | 0.68% |
Balance sheet
| Metric | Hearthside Bank Corporation | Hatboro Federal Savings |
|---|---|---|
| Total Assets | $591,133K | $590,545K |
| Total Deposits | $530,083K | $437,922K |
| Total Loans | $453,390K | $472,208K |
| Total Equity | $53,152K | $143,141K |
| Net Income (quarter) | $1,157K | $1,628K |
Liquidity & funding
| Metric | Hearthside Bank Corporation | Hatboro Federal Savings |
|---|---|---|
| Loan-to-Deposit Ratio | 85.53% | 107.83% |
| Core Deposit Ratio | 86.73% | 85.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hearthside Bank Corporation | Hatboro Federal Savings |
|---|---|---|
| Headquarters City | MIDDLESBORO | HATBORO |
| Headquarters State | KY | PA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 704859 |
| Regulator | FDIC | OCC |
| Domestic Branches | 8 | 4 |
| Employees (FTE) | 101 | 38 |
| Established | Jan. 1, 1920, midnight | June 30, 1941, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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