Pennsville, NJ · Cert 19978 · Penn Bancshares Inc.
National charter · OCC · 5 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #49 of 88 inst. · $0.3B 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 | 0.95% | 1.03% | 1.34% | 1.45% | 1.44% | 1.49% | 1.40% | 1.48% | +2 bps | |
| Return on Equity | 13.77% | 14.64% | 16.73% | 17.28% | 16.61% | 16.77% | 14.45% | 15.06% | -222 bps | |
| Net Interest Margin | 3.00% | 3.09% | 3.62% | 3.79% | 3.83% | 3.88% | 3.95% | 4.03% | +24 bps | |
| Efficiency Ratio | 62.75% | 59.25% | 55.81% | 51.14% | 51.94% | 52.00% | 55.97% | 55.19% | +405 bps | |
| Non-Interest Burden | 1.76% | 1.69% | 1.87% | 1.77% | 1.82% | 1.85% | 2.07% | 2.07% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.08% | -1.67% | 1.60% | 2.70% | 3.19% | 1.79% | 0.44% | 0.26% | -244 bps | |
| Loan Growth (YoY) | 18.08% | 24.53% | 19.72% | 21.98% | 20.25% | 22.77% | 19.31% | 18.99% | -299 bps | |
| Deposit Growth (YoY) | -4.12% | -3.33% | -0.60% | 0.29% | 1.62% | -0.47% | -0.68% | -0.62% | -91 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.75% | 0.87% | 0.83% | 0.78% | 0.61% | 1.05% | 1.18% | 1.41% | +63 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.22% | 0.95% | 0.60% | 0.47% | 0.41% | 0.12% | 0.10% | -49 bps | |
| Allowance / Loans | 0.98% | 1.12% | 0.95% | 1.09% | 1.04% | 0.97% | 1.02% | 1.02% | -7 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 1.1x | 1.4x | 1.7x | 0.9x | 0.9x | 0.7x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.74% | 8.87% | 8.97% | 9.28% | 9.58% | 9.79% | 9.98% | 10.23% | +95 bps | |
| Total Risk-Based Capital | 20.99% | 21.30% | 22.51% | 22.97% | 24.23% | 23.57% | 9.98% | 10.23% | -1,275 bps | |
| Equity / Assets | 7.96% | 7.73% | 8.33% | 9.17% | 9.50% | 9.77% | 9.54% | 10.10% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.54% | 40.04% | 40.29% | 43.63% | 45.60% | 49.38% | 48.40% | 52.24% | +861 bps | |
| Liquid Assets / Assets | 10.03% | 16.66% | 18.02% | 16.87% | 15.29% | 11.86% | 13.99% | 11.21% | -566 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 33.37% | 50.64% | 52.06% | n/a | n/a | |