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William Penn Bank

Levittown, PA · Cert 27799

FDIC · 13 branches

Q1 2025

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: Q1 2025, the quarter ended March 31, 2025, 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=32 to 36). 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

48

Q2 2024Q1 2025peer median (50)

Asset Quality

67

Q2 2024Q1 2025peer median (50)

Profitability

13

Q2 2024Q1 2025peer median (50)

Liquidity

85

Q2 2024Q1 2025peer median

Efficiency

17

Q2 2024Q1 2025peer 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

William Penn Bank

Levittown, PA · Cert 27799

FDIC · 13 branches

Q1 2025

$766.1MAssets
$441.9MLoans
$623.5MDeposits
$122.7MEquity
Loan mix
95%RE $312.3M5%C&I $15.9M1%Consumer $1.7MQ2 2023Q1 2025
Deposit mix
90%Interest-bearing $562.4M10%Noninterest $61.2MQ2 2023Q1 2025

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2024 SOD (annual) · 0.1% share · #34 of 91 inst. · $0.5B of $611.1B

1.1% Bucks
0.8% Camden
0.5% Mercer
0.1% Philadelphia

Executive Summary

  • Earnings: ROA of -0.02%, down 8 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 0.68% of loans (+6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.11%, up 111 bps from a year ago.
  • Funding: loans stand at 70.87% of deposits as of Q1 2025.

Return on Assets (YTD, annualized)

-0.02%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.25%+36 bps YoY

Efficiency Ratio (YTD, annualized)

103.22%-931 bps YoY

Tier 1 Leverage Ratio

17.11%+111 bps YoY

NIM

3.45%Q1 ’233.83%Q1 ’243.87%Q1 ’25-25%+19%

Non-interest income vs. expense

2.47%Q1 ’232.44%Q1 ’242.63%Q1 ’25-1%+8%

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.27%0.22%0.16%0.06%0.02%0.02%-0.01%-0.02%-8 bps
Return on Equity1.62%1.33%1.01%0.42%0.15%0.16%-0.09%-0.10%-52 bps
Net Interest Margin2.47%2.41%2.32%1.89%1.94%1.99%2.01%2.25%+36 bps
Efficiency Ratio87.78%90.06%92.77%112.52%108.90%108.78%108.50%103.22%-931 bps
Non-Interest Burden2.14%2.15%2.14%2.16%2.14%2.20%2.21%2.33%+17 bps
Growth
Asset Growth (YoY)-3.66%-2.50%-5.14%-3.42%-3.43%-2.20%-3.65%-7.79%-438 bps
Loan Growth (YoY)0.40%-0.04%-4.98%-1.40%-1.52%-2.29%-0.15%-8.20%-681 bps
Deposit Growth (YoY)0.19%0.50%-2.02%-4.12%-2.39%-1.35%-0.91%-1.64%+248 bps
Asset Quality
Nonperforming Loans / Loans0.84%0.75%0.65%0.62%0.70%0.67%0.51%0.68%+6 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.69%0.75%0.76%0.65%0.63%0.54%0.55%0.58%-7 bps
Allowance Coverage of NPLs0.8x1.0x1.2x1.0x0.9x0.8x1.1x0.9x-0.2x
Capital
Tier 1 Leverage Ratio18.67%16.64%16.01%16.01%16.10%16.52%16.66%17.11%+111 bps
Total Risk-Based Capital18.67%16.64%16.01%16.01%16.10%16.52%16.66%17.11%+111 bps
Equity / Assets17.03%14.42%14.49%14.25%14.51%15.23%15.08%16.01%+176 bps
Liquidity & Funding
Loans / Deposits73.71%74.06%73.95%75.94%74.37%73.35%74.52%70.87%-507 bps
Liquid Assets / Assets13.20%13.06%13.09%12.88%12.87%13.10%12.13%12.62%-26 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

William Penn Bank

Levittown, PA · Cert 27799 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=32-36)

FDIC · 13 branches

Q1 2025

$766.1MAssets
$441.9MLoans
$623.5MDeposits
$122.7MEquity

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 18 of 32).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 32 of 36).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.02%

Rank 31 of 36

Net Interest Margin

2.25%

Rank 32 of 36

Efficiency Ratio

103.88%

Rank 31 of 36

Equity / Assets

16.01%

Rank 13 of 36

Non-interest income vs. expense

$2.3M$20.8MINCOMEEXPENSE
Unfavorable gap of $18.5M · efficiency ratio beats 17% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 103.88%Peer median 72.8%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.02%0.29%0.74%2.39%Beats 14%31 / 36
Return on Equity-0.10%2.63%4.98%13.21%Beats 14%31 / 36
Net Interest Margin2.25%2.73%3.10%3.35%Beats 11%32 / 36
Efficiency Ratio103.88%57.61%72.85%87.85%Beats 17%31 / 36
Asset Quality
Nonperforming Loans / Loans0.68%0.06%0.34%0.80%Beats 34%22 / 32
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%18 / 32
Capital
Tier 1 Capital Ratio17.11%12.96%18.80%28.61%Beats 42%21 / 36
Total Risk-Based Capital Ratio17.11%13.92%19.85%29.72%Beats 39%22 / 36
Equity / Assets16.01%8.75%11.22%19.74%Beats 64%13 / 36
Liquidity & Funding
Loans / Deposits70.87%59.52%83.19%97.66%33rd pctl24 / 36
Loans / Assets57.68%56.87%72.81%80.21%28th pctl23 / 32
Brokered Deposits / Depositsn/aNot reported for this institution