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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