PackageTrendsPeer
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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