Philadelphia, PA · Cert 27385
SI · FDIC · 1 branch
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #70 of 88 inst. · $0.1B of $685.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.99% | -4.80% | 2.92% | 2.60% | 2.82% | -3.94% | 2.61% | 2.17% | -44 bps | |
| Return on Equity | 14.07% | -23.04% | 14.42% | 12.30% | 12.93% | -18.25% | 12.11% | 9.75% | -256 bps | |
| Net Interest Margin | 4.89% | 4.89% | 4.62% | 4.64% | 4.71% | 4.68% | 4.57% | 4.41% | -23 bps | |
| Efficiency Ratio | 35.09% | 181.03% | 33.67% | 40.52% | 36.85% | 173.85% | 39.67% | 48.82% | +830 bps | |
| Non-Interest Burden | 1.64% | 8.95% | 1.47% | 1.77% | 1.65% | 8.21% | 1.70% | 2.08% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.55% | -2.82% | -0.96% | -0.66% | 3.69% | -0.98% | -1.77% | 0.75% | +141 bps | |
| Loan Growth (YoY) | 5.44% | 0.30% | 0.67% | -3.34% | -2.12% | -3.08% | -4.37% | 1.82% | +516 bps | |
| Deposit Growth (YoY) | -6.46% | -3.76% | -2.80% | -2.39% | 4.81% | 0.29% | -0.49% | 4.33% | +671 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.69% | 0.72% | 0.74% | 0.74% | 0.03% | 0.02% | 0.97% | +24 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.17% | 1.16% | 1.19% | 1.21% | 1.21% | 1.20% | 1.24% | 1.17% | -4 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 1.7x | 1.6x | 1.6x | 47.3x | 49.6x | 1.2x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.80% | 20.36% | 20.54% | 21.94% | 22.31% | 21.07% | 22.20% | 22.56% | +63 bps | |
| Total Risk-Based Capital | 21.80% | 20.36% | 20.54% | 21.94% | 22.31% | 21.07% | 22.20% | 22.56% | +63 bps | |
| Equity / Assets | 21.82% | 19.89% | 20.57% | 21.74% | 21.94% | 21.19% | 21.96% | 22.49% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 155.74% | 150.63% | 144.85% | 148.46% | 145.45% | 145.57% | 139.19% | 144.90% | -356 bps | |
| Liquid Assets / Assets | 5.57% | 7.70% | 9.70% | 8.81% | 10.66% | 8.78% | 11.20% | 7.19% | -162 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 164.87% | 172.85% | 161.12% | n/a | n/a | |