HATBORO FEDERAL SAVINGS, FA

HATBORO, PA · Supervised by OTS

Est. 1941FDIC #30,155

Satisfactory Same

Current rating · Exam: December 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.11%

Institution Profile

FDIC BankFind

Website

www.hatborofed.com

Address

221 S York Rd, HATBORO, PA

County

Montgomery County

Established

June 30, 1941

Total Assets

$591M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 14, 2009

Exam Type

Intermediate Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$591M

Total Deposits

$438M

Net Loans

$469M

Net Income

$2M

ROA

1.11%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.57%

Risk-Based Capital

43.46%

Above avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.11%Peer avg: 0.44%▲ Above avg

Risk-Based Capital43.46%Peer avg: 23.03%▲ Above avg

Mortgage Denial Rate2.76%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$428M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	254	88.19%	2.76%
2023	269	82.53%	6.32%
2022	308	86.36%	5.19%
2021	301	86.05%	6.98%
2020	255	78.04%	7.06%
2019	415	87.71%	3.37%
2018	506	87.35%	3.36%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Dec 2009	Satisfactory	Intermediate Small Bank
Dec 2006	Satisfactory	Small Bank
Aug 2004	Satisfactory	Large Bank

4 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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