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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.10% | -0.01% | 0.06% | -0.02% | 0.03% | -0.13% | -0.02% | -8 bps | |
| Return on Equity | 1.57% | 0.65% | -0.08% | 0.42% | -0.12% | 0.18% | -0.84% | -0.10% | -52 bps | |
| Net Interest Margin | 2.41% | 2.21% | 1.98% | 1.89% | 1.97% | 2.01% | 1.99% | 2.25% | +36 bps | |
| Efficiency Ratio | 87.54% | 95.18% | 102.53% | 112.52% | 105.40% | 108.55% | 107.70% | 103.22% | -931 bps | |
| Non-Interest Burden | 2.08% | 2.09% | 2.05% | 2.16% | 2.10% | 2.21% | 2.18% | 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 / Loans | 0.84% | 0.75% | 0.65% | 0.62% | 0.70% | 0.67% | 0.51% | 0.68% | +6 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.02% | 0.01% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.69% | 0.75% | 0.76% | 0.65% | 0.63% | 0.54% | 0.55% | 0.58% | -7 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.0x | 1.2x | 1.0x | 0.9x | 0.8x | 1.1x | 0.9x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.67% | 16.64% | 16.01% | 16.01% | 16.10% | 16.52% | 16.66% | 17.11% | +111 bps | |
| Total Risk-Based Capital | 18.67% | 16.64% | 16.01% | 16.01% | 16.10% | 16.52% | 16.66% | 17.11% | +111 bps | |
| Equity / Assets | 17.03% | 14.42% | 14.49% | 14.25% | 14.51% | 15.23% | 15.08% | 16.01% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.71% | 74.06% | 73.95% | 75.94% | 74.37% | 73.35% | 74.52% | 70.87% | -507 bps | |
| Liquid Assets / Assets | 13.20% | 13.06% | 13.09% | 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 | n/a | n/a | n/a |