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Wilmington Savings Fund Society, FSB

Wilmington, DE · Cert 17838 · WSFS Financial Corp.

State savings bank · OCC · 94 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

60

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

45

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wilmington Savings Fund Society, FSB

Wilmington, DE · Cert 17838 · WSFS Financial Corp.

State savings bank · OCC · 94 branches

Q2 2026

$22.6BAssets
$13.5BLoans
$19.3BDeposits
$2.6BEquity
Loan mix
87%RE $10.6B11%C&I $1.4B2%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $12.3B36%Noninterest $7.0BQ2 2025Q2 2026

NIM

4.95%Q2 ’244.74%Q2 ’254.48%Q2 ’26+1%+1%

Non-interest income vs. expense

2.75%Q2 ’242.78%Q2 ’252.74%Q2 ’26+7%-5%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 2.6% share · #10 of 88 inst. · $17.5B of $685.1B

1.7% New Castle
3.3% Philadelphia
13.2% Delaware
5.1% Montgomery

Executive Summary

  • Earnings: ROA of 1.60%, up 20 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.57% of loans (-41 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.36%, up 7 bps from a year ago.
  • Funding: loans stand at 69.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.60%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+2 bps YoY

Efficiency Ratio (YTD, annualized)

55.65%-132 bps YoY

Tier 1 Leverage Ratio

10.36%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.43%1.43%1.68%1.60%+20 bps
Return on Equity11.49%11.67%11.63%13.64%13.22%+173 bps
Net Interest Margin3.53%3.55%3.48%3.55%3.55%+2 bps
Efficiency Ratio56.98%57.24%56.85%55.67%55.65%-132 bps
Non-Interest Burden1.39%1.42%1.37%1.33%1.33%-6 bps
Growth
Asset Growth (YoY)0.14%-0.24%2.39%7.60%9.13%+899 bps
Loan Growth (YoY)-0.35%-2.55%0.62%1.30%2.65%+301 bps
Deposit Growth (YoY)5.30%4.89%3.42%9.57%10.15%+485 bps
Asset Quality
Nonperforming Loans / Loans0.98%0.66%0.71%0.65%0.57%-41 bps
Net Charge-Offs / Loans0.52%0.45%0.45%-0.10%0.05%-47 bps
Allowance / Loans1.42%1.41%1.35%1.35%1.31%-10 bps
Allowance Coverage of NPLs1.5x2.1x1.9x2.1x2.3x+0.9x
Capital
Tier 1 Leverage Ratio10.29%10.62%10.69%10.58%10.36%+7 bps
Total Risk-Based Capital14.35%15.00%15.25%15.21%14.94%+59 bps
Equity / Assets11.84%12.39%12.62%12.08%11.71%-13 bps
Liquidity & Funding
Loans / Deposits75.01%74.06%74.29%71.03%69.90%-511 bps
Liquid Assets / Assets8.22%9.70%10.02%12.92%12.95%+473 bps
CRE / Total Capitaln/a331%325%327%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wilmington Savings Fund Society, FSB

Wilmington, DE · Cert 17838 · Peer group: banks over $10B in assets (n=142-144) · WSFS Financial Corp.

State savings bank · OCC · 94 branches

Q2 2026

$22.6BAssets
$13.5BLoans
$19.3BDeposits
$2.6BEquity

Executive Summary

  • Strongest standing: return on assets outperforms 78% of banks over $10B in assets (rank 32 of 144).
  • Widest gap: net charge-offs / loans trails 66% of banks over $10B in assets (rank 96 of 142).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.56%

Rank 32 of 144

Net Interest Margin

3.55%

Rank 51 of 144

Efficiency Ratio

56.83%

Rank 80 of 144

Equity / Assets

11.71%

Rank 62 of 144

Non-interest income vs. expense

$318.4M$618.7MINCOMEEXPENSE
Unfavorable gap of $300.3M · efficiency ratio beats 45% of banks over $10B in assets
Bank 56.83%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.56%1.00%1.26%1.54%Beats 78%32 / 144
Return on Equity13.30%8.98%11.34%14.40%Beats 70%43 / 144
Net Interest Margin3.55%2.82%3.31%3.68%Beats 65%51 / 144
Efficiency Ratio56.83%49.42%56.02%62.41%Beats 45%80 / 144
Asset Quality
Nonperforming Loans / Loans0.57%0.48%0.73%1.07%Beats 63%53 / 142
Net Charge-Offs / Loans0.18%0.05%0.11%0.22%Beats 34%96 / 142
Capital
Tier 1 Capital Ratio13.77%12.07%12.98%14.92%Beats 62%55 / 144
Total Risk-Based Capital Ratio14.94%13.39%14.14%16.25%Beats 62%55 / 144
Equity / Assets11.71%9.69%11.39%12.96%Beats 57%62 / 144
Liquidity & Funding
Loans / Deposits69.90%75.72%84.92%91.56%16th pctl120 / 143
Loans / Assets59.83%59.83%69.07%74.80%25th pctl108 / 144
Brokered Deposits / Depositsn/aNot reported for this institution