Levittown, PA · Cert 27799
FDIC · 13 branches
Q1 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
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.02% | 0.02% | -0.01% | -0.02% | -8 bps | |
| Return on Equity | 0.42% | 0.15% | 0.16% | -0.09% | -0.10% | -52 bps | |
| Net Interest Margin | 1.89% | 1.94% | 1.99% | 2.01% | 2.25% | +36 bps | |
| Efficiency Ratio | 112.52% | 108.90% | 108.78% | 108.50% | 103.22% | -931 bps | |
| Non-Interest Burden | 2.16% | 2.14% | 2.20% | 2.21% | 2.33% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.42% | -3.43% | -2.20% | -3.65% | -7.79% | -438 bps | |
| Loan Growth (YoY) | -1.40% | -1.52% | -2.29% | -0.15% | -8.20% | -681 bps | |
| Deposit Growth (YoY) | -4.12% | -2.39% | -1.35% | -0.91% | -1.64% | +248 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.62% | 0.70% | 0.67% | 0.51% | 0.68% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.65% | 0.63% | 0.54% | 0.55% | 0.58% | -7 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.9x | 0.8x | 1.1x | 0.9x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.01% | 16.10% | 16.52% | 16.66% | 17.11% | +111 bps | |
| Total Risk-Based Capital | 16.01% | 16.10% | 16.52% | 16.66% | 17.11% | +111 bps | |
| Equity / Assets | 14.25% | 14.51% | 15.23% | 15.08% | 16.01% | +176 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.94% | 74.37% | 73.35% | 74.52% | 70.87% | -507 bps | |
| Liquid Assets / Assets | 12.88% | 12.87% | 13.10% | 12.13% | 12.62% | -26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |