Wilmington, DE · Cert 17838 · WSFS Financial Corp.
State savings bank · OCC · 94 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
60
Asset Quality
49
Profitability
71
Liquidity
31
Efficiency
45
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.
Wilmington, DE · Cert 17838 · WSFS Financial Corp.
State savings bank · OCC · 94 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 2.6% share · #10 of 88 inst. · $17.5B 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 | 1.35% | 1.34% | 1.35% | 1.40% | 1.43% | 1.43% | 1.68% | 1.60% | +20 bps | |
| Return on Equity | 11.26% | 11.08% | 10.91% | 11.49% | 11.67% | 11.63% | 13.64% | 13.22% | +173 bps | |
| Net Interest Margin | 3.49% | 3.51% | 3.52% | 3.53% | 3.55% | 3.48% | 3.55% | 3.55% | +2 bps | |
| Efficiency Ratio | 56.68% | 58.06% | 56.18% | 56.98% | 57.24% | 56.85% | 55.67% | 55.65% | -132 bps | |
| Non-Interest Burden | 1.33% | 1.41% | 1.36% | 1.39% | 1.42% | 1.37% | 1.33% | 1.33% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.36% | 1.11% | -0.10% | 0.14% | -0.24% | 2.39% | 7.60% | 9.13% | +899 bps | |
| Loan Growth (YoY) | 5.11% | 3.46% | 1.18% | -0.35% | -2.55% | 0.62% | 1.30% | 2.65% | +301 bps | |
| Deposit Growth (YoY) | 3.38% | 3.79% | 4.52% | 5.30% | 4.89% | 3.42% | 9.57% | 10.15% | +485 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.91% | 0.99% | 0.94% | 0.98% | 0.66% | 0.71% | 0.65% | 0.57% | -41 bps | |
| Net Charge-Offs / Loans | 0.42% | 0.39% | 0.75% | 0.52% | 0.45% | 0.45% | -0.10% | 0.05% | -47 bps | |
| Allowance / Loans | 1.48% | 1.47% | 1.42% | 1.42% | 1.41% | 1.35% | 1.35% | 1.31% | -10 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.5x | 1.5x | 1.5x | 2.1x | 1.9x | 2.1x | 2.3x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.68% | 11.03% | 11.19% | 10.29% | 10.62% | 10.69% | 10.58% | 10.36% | +7 bps | |
| Total Risk-Based Capital | 14.71% | 15.13% | 15.36% | 14.35% | 15.00% | 15.25% | 15.21% | 14.94% | +59 bps | |
| Equity / Assets | 12.38% | 12.15% | 12.67% | 11.84% | 12.39% | 12.62% | 12.08% | 11.71% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.71% | 76.36% | 76.83% | 75.01% | 74.06% | 74.29% | 71.03% | 69.90% | -511 bps | |
| Liquid Assets / Assets | 6.49% | 7.69% | 7.39% | 8.22% | 9.70% | 10.02% | 12.92% | 12.95% | +473 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 331% | 325% | 327% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 1.00% | 1.26% | 1.54% | Beats 78% | 32 / 144 | ||
| Return on Equity | 13.30% | 8.98% | 11.34% | 14.40% | Beats 70% | 43 / 144 | ||
| Net Interest Margin | 3.55% | 2.82% | 3.31% | 3.68% | Beats 65% | 51 / 144 | ||
| Efficiency Ratio | 56.83% | 49.42% | 56.02% | 62.41% | Beats 45% | 80 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.48% | 0.73% | 1.07% | Beats 63% | 53 / 142 | ||
| Net Charge-Offs / Loans | 0.18% | 0.05% | 0.11% | 0.22% | Beats 34% | 96 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.77% | 12.07% | 12.98% | 14.92% | Beats 62% | 55 / 144 | ||
| Total Risk-Based Capital Ratio | 14.94% | 13.39% | 14.14% | 16.25% | Beats 62% | 55 / 144 | ||
| Equity / Assets | 11.71% | 9.69% | 11.39% | 12.96% | Beats 57% | 62 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.90% | 75.72% | 84.92% | 91.56% | 16th pctl | 120 / 143 | ||
| Loans / Assets | 59.83% | 59.83% | 69.07% | 74.80% | 25th pctl | 108 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||