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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