Wilmington, DE · Cert 27499
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.6% share · #16 of 88 inst. · $4.0B 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 | 6.10% | 2.37% | 5.17% | 4.66% | 6.74% | 3.27% | 5.25% | 4.62% | -4 bps | |
| Return on Equity | 40.51% | 16.65% | 35.77% | 31.61% | 48.04% | 23.89% | 38.74% | 33.74% | +214 bps | |
| Net Interest Margin | 20.73% | 18.87% | 19.54% | 19.38% | 20.36% | 20.67% | 19.87% | 19.32% | -6 bps | |
| Efficiency Ratio | 42.44% | 50.46% | 46.82% | 50.73% | 49.27% | 51.62% | 48.84% | 50.77% | +4 bps | |
| Non-Interest Burden | 7.86% | 8.66% | 8.19% | 8.91% | 9.08% | 10.01% | 8.84% | 8.88% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.58% | -6.75% | -5.38% | -4.53% | -2.83% | -4.13% | 1.35% | -0.92% | +361 bps | |
| Loan Growth (YoY) | -8.65% | -8.37% | -7.53% | -5.28% | -3.64% | -3.31% | -2.55% | -1.37% | +391 bps | |
| Deposit Growth (YoY) | -24.93% | -24.87% | -16.62% | -3.56% | 13.10% | 14.82% | 22.85% | 17.74% | +2,131 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.23% | 3.86% | 3.80% | 3.55% | 3.74% | 3.57% | 3.47% | 3.24% | -31 bps | |
| Net Charge-Offs / Loans | 7.54% | 7.28% | 7.65% | 7.22% | 6.87% | 6.65% | 6.74% | 6.29% | -93 bps | |
| Allowance / Loans | 12.55% | 12.08% | 12.30% | 12.09% | 12.00% | 11.40% | 11.63% | 11.56% | -54 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.1x | 3.2x | 3.4x | 3.2x | 3.2x | 3.3x | 3.6x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.24% | 15.26% | 14.82% | 13.93% | 13.48% | 14.07% | 13.54% | 13.38% | -55 bps | |
| Total Risk-Based Capital | 18.80% | 17.89% | 18.37% | 17.19% | 16.76% | 16.48% | 16.49% | 16.90% | -29 bps | |
| Equity / Assets | 14.82% | 13.72% | 15.23% | 14.22% | 13.83% | 13.53% | 13.57% | 13.82% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 206% | 214% | 203% | 188.30% | 175.21% | 180.48% | 161.22% | 157.73% | -3,057 bps | |
| Liquid Assets / Assets | 12.61% | 14.22% | 14.42% | 13.95% | 13.88% | 13.80% | 14.60% | 14.16% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |