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 | |