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Port Richmond Savings

Philadelphia, PA · Cert 27385

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

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 under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

84

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

Port Richmond Savings

Philadelphia, PA · Cert 27385

SI · FDIC · 1 branch

Q2 2026

$97.2MAssets
$88.1MLoans
$60.8MDeposits
$21.9MEquity
Loan mix
96%RE $81.0M4%C&I $3.4M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $47.1M23%Noninterest $13.7MQ2 2025Q2 2026

NIM

6.45%Q2 ’246.34%Q2 ’256.10%Q2 ’26-6%-5%

Non-interest income vs. expense

1.94%Q2 ’241.80%Q2 ’252.05%Q2 ’26-9%+14%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #70 of 88 inst. · $0.1B of $685.1B

Executive Summary

  • Earnings: ROA of 2.39%, down 38 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 0.97% of loans (+24 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 22.56%, up 63 bps from a year ago.
  • Funding: loans stand at 144.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.39%-38 bps YoY

Net Interest Margin (YTD, annualized)

4.47%-24 bps YoY

Efficiency Ratio (YTD, annualized)

44.16%+710 bps YoY

Tier 1 Leverage Ratio

22.56%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.77%2.78%1.10%2.61%2.39%-38 bps
Return on Equity13.35%13.20%5.22%12.11%10.92%-243 bps
Net Interest Margin4.71%4.66%4.63%4.57%4.47%-24 bps
Efficiency Ratio37.06%36.99%71.38%39.67%44.16%+710 bps
Non-Interest Burden1.65%1.63%3.26%1.70%1.88%+23 bps
Growth
Asset Growth (YoY)-0.66%3.69%-0.98%-1.77%0.75%+141 bps
Loan Growth (YoY)-3.34%-2.12%-3.08%-4.37%1.82%+516 bps
Deposit Growth (YoY)-2.39%4.81%0.29%-0.49%4.33%+671 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.74%0.03%0.02%0.97%+24 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.21%1.21%1.20%1.24%1.17%-4 bps
Allowance Coverage of NPLs1.6x1.6x47.3x49.6x1.2x-0.4x
Capital
Tier 1 Leverage Ratio21.94%22.31%21.07%22.20%22.56%+63 bps
Total Risk-Based Capital21.94%22.31%21.07%22.20%22.56%+63 bps
Equity / Assets21.74%21.94%21.19%21.96%22.49%+75 bps
Liquidity & Funding
Loans / Deposits148.46%145.45%145.57%139.19%144.90%-356 bps
Liquid Assets / Assets8.81%10.66%8.78%11.20%7.19%-162 bps
CRE / Total Capitaln/a164.87%172.85%161.12%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

Port Richmond Savings

Philadelphia, PA · Cert 27385 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

SI · FDIC · 1 branch

Q2 2026

$97.2MAssets
$88.1MLoans
$60.8MDeposits
$21.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 16 of 27).
  • Widest gap: nonperforming loans / loans trails 67% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 19 of 27).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.39%

Rank 8 of 31

Net Interest Margin

4.47%

Rank 2 of 31

Efficiency Ratio

44.16%

Rank 6 of 31

Equity / Assets

22.49%

Rank 7 of 31

Non-interest income vs. expense

$0.2M$2.0MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 84% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 44.16%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.39%0.63%0.93%2.39%Beats 74%8 / 31
Return on Equity10.64%4.15%7.07%14.29%Beats 65%11 / 31
Net Interest Margin4.47%2.72%3.26%3.84%Beats 94%2 / 31
Efficiency Ratio44.16%49.04%63.83%80.34%Beats 84%6 / 31
Asset Quality
Nonperforming Loans / Loans0.97%0.00%0.24%1.22%Beats 33%19 / 27
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%16 / 27
Capital
Tier 1 Capital Ratio22.56%13.01%19.43%42.39%Beats 58%13 / 31
Total Risk-Based Capital Ratio22.56%13.95%20.55%43.38%Beats 58%13 / 31
Equity / Assets22.49%9.21%12.36%21.28%Beats 77%7 / 31
Liquidity & Funding
Loans / Deposits144.90%52.41%83.15%99.86%94th pctl2 / 31
Loans / Assets90.62%37.80%67.87%79.23%97th pctl1 / 31
Brokered Deposits / Depositsn/aNot reported for this institution