Haddon Heights, NJ · Cert 28222
SI · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
45
Profitability
4
Liquidity
91
Efficiency
10
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.
Haddon Heights, NJ · Cert 28222
SI · FDIC · 2 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #43 of 88 inst. · $0.4B of $685.1B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | -0.43% | -0.34% | -0.28% | -0.20% | -0.21% | -0.13% | -0.10% | +18 bps | |
| Return on Equity | -6.82% | -7.88% | -6.40% | -5.13% | -3.64% | -3.70% | -2.25% | -1.62% | +351 bps | |
| Net Interest Margin | 1.13% | 1.14% | 1.41% | 1.44% | 1.47% | 1.47% | 1.64% | 1.65% | +21 bps | |
| Efficiency Ratio | 137.09% | 139.00% | 125.12% | 118.83% | 114.23% | 113.81% | 110.27% | 106.82% | -1,201 bps | |
| Non-Interest Burden | 1.60% | 1.63% | 1.78% | 1.74% | 1.70% | 1.70% | 1.81% | 1.77% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.80% | 7.03% | 5.54% | 4.18% | -0.14% | 2.19% | 2.76% | 5.27% | +109 bps | |
| Loan Growth (YoY) | 18.55% | 19.56% | 20.44% | 14.46% | 9.38% | 11.08% | 6.85% | 11.20% | -326 bps | |
| Deposit Growth (YoY) | 0.24% | 3.63% | 0.97% | 3.47% | 10.90% | 10.27% | 10.74% | 7.32% | +385 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.52% | 0.69% | 0.18% | 0.20% | 0.18% | 0.14% | 0.24% | +6 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | -0.02% | 0.06% | 0.03% | 0.05% | -0.04% | -0.02% | -8 bps | |
| Allowance / Loans | 0.53% | 0.53% | 0.54% | 0.54% | 0.53% | 0.54% | 0.53% | 0.53% | -1 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.0x | 0.8x | 3.0x | 2.6x | 3.0x | 3.9x | 2.2x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.31% | 8.93% | 8.86% | 8.80% | 8.76% | 8.66% | 8.56% | 8.28% | -52 bps | |
| Total Risk-Based Capital | 16.30% | 15.67% | 14.81% | 14.90% | 14.84% | 14.16% | 13.95% | 12.99% | -191 bps | |
| Equity / Assets | 5.88% | 5.05% | 5.56% | 5.69% | 5.97% | 6.07% | 5.92% | 5.73% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.54% | 71.82% | 74.52% | 73.21% | 70.56% | 72.34% | 71.90% | 75.86% | +265 bps | |
| Liquid Assets / Assets | 7.33% | 7.73% | 6.01% | 6.59% | 6.76% | 6.29% | 4.66% | 6.96% | +37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 174.90% | 191.71% | 206% | n/a | n/a | |
Haddon Heights, NJ · Cert 28222 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)
SI · FDIC · 2 branches
Q2 2026
Return on Assets
-0.09%
Rank 29 of 31
Net Interest Margin
1.65%
Rank 31 of 31
Efficiency Ratio
106.82%
Rank 29 of 31
Equity / Assets
5.73%
Rank 30 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.09% | 0.63% | 0.93% | 2.39% | Beats 6% | 29 / 31 | ||
| Return on Equity | -1.64% | 4.15% | 7.07% | 14.29% | Beats 6% | 29 / 31 | ||
| Net Interest Margin | 1.65% | 2.72% | 3.26% | 3.84% | Beats 0% | 31 / 31 | ||
| Efficiency Ratio | 106.82% | 49.04% | 63.83% | 80.34% | Beats 10% | 29 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.00% | 0.24% | 1.22% | Beats 52% | 14 / 27 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.01% | Beats 37% | 18 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.44% | 13.01% | 19.43% | 42.39% | Beats 16% | 26 / 31 | ||
| Total Risk-Based Capital Ratio | 12.99% | 13.95% | 20.55% | 43.38% | Beats 19% | 25 / 31 | ||
| Equity / Assets | 5.73% | 9.21% | 12.36% | 21.28% | Beats 3% | 30 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.86% | 52.41% | 83.15% | 99.86% | 39th pctl | 19 / 31 | ||
| Loans / Assets | 63.24% | 37.80% | 67.87% | 79.23% | 39th pctl | 19 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||