Wilmington, DE · Cert 17123
SI · FDIC · 13 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #39 of 88 inst. · $0.4B of $685.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.39% | 0.29% | 0.31% | 0.42% | 0.48% | 0.41% | 0.52% | +21 bps | |
| Return on Equity | 4.86% | 4.71% | 3.41% | 3.60% | 4.80% | 5.34% | 4.37% | 5.54% | +194 bps | |
| Net Interest Margin | 2.82% | 2.78% | 2.77% | 2.85% | 2.89% | 2.92% | 3.05% | 3.12% | +26 bps | |
| Efficiency Ratio | 83.27% | 83.61% | 88.62% | 86.36% | 83.09% | 81.67% | 84.03% | 79.29% | -708 bps | |
| Non-Interest Burden | 2.29% | 2.27% | 2.42% | 2.42% | 2.35% | 2.32% | 2.51% | 2.39% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.26% | 3.38% | 1.68% | 1.51% | 3.89% | 2.77% | 3.62% | 3.25% | +174 bps | |
| Loan Growth (YoY) | 2.76% | 4.97% | 1.78% | 2.06% | 1.82% | 1.48% | 3.42% | 3.38% | +132 bps | |
| Deposit Growth (YoY) | -0.22% | 2.06% | 1.82% | 1.84% | 7.11% | 3.82% | 3.10% | 2.89% | +104 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.78% | 0.32% | 0.35% | 0.30% | 0.38% | 0.28% | 0.48% | 0.74% | +43 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0.02% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 0.98% | 0.97% | 0.98% | 0.99% | 0.98% | 0.98% | 0.98% | 1.01% | +2 bps | |
| Allowance Coverage of NPLs | 1.3x | 3.1x | 2.8x | 3.3x | 2.6x | 3.5x | 2.0x | 1.4x | -1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.97% | 9.98% | 9.98% | 10.15% | 10.07% | 10.17% | 10.32% | 10.44% | +29 bps | |
| Total Risk-Based Capital | 13.33% | 13.34% | 13.70% | 13.64% | 13.91% | 13.83% | 14.00% | 13.95% | +31 bps | |
| Equity / Assets | 8.73% | 8.38% | 8.75% | 8.96% | 9.05% | 9.35% | 9.33% | 9.47% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.15% | 82.34% | 79.76% | 81.57% | 79.04% | 80.49% | 80.01% | 81.95% | +39 bps | |
| Liquid Assets / Assets | 3.65% | 4.60% | 5.46% | 3.92% | 6.17% | 4.25% | 4.78% | 3.87% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 422% | 423% | 427% | n/a | n/a | |