Ambler, PA · Cert 28701
SI · FDIC · 6 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
51
Asset Quality
74
Profitability
29
Liquidity
100
Efficiency
35
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.
Ambler, PA · Cert 28701
SI · FDIC · 6 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #42 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 | 0.35% | 0.33% | 0.30% | 0.34% | 0.39% | 0.40% | 0.60% | 0.63% | +30 bps | |
| Return on Equity | 3.19% | 3.05% | 2.66% | 3.03% | 3.50% | 3.59% | 5.10% | 5.30% | +227 bps | |
| Net Interest Margin | 2.22% | 2.22% | 2.36% | 2.42% | 2.39% | 2.38% | 2.63% | 2.75% | +33 bps | |
| Efficiency Ratio | 84.26% | 84.78% | 86.20% | 84.70% | 83.41% | 82.92% | 79.68% | 77.91% | -679 bps | |
| Non-Interest Burden | 1.85% | 1.86% | 2.01% | 2.02% | 1.97% | 1.95% | 1.95% | 2.03% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.98% | 0.37% | 1.16% | 1.58% | 3.38% | 3.69% | 2.62% | -0.58% | -216 bps | |
| Loan Growth (YoY) | 3.20% | 3.81% | 4.70% | 3.64% | 5.25% | 4.58% | 2.10% | 3.94% | +30 bps | |
| Deposit Growth (YoY) | 0.64% | 0.70% | -2.54% | -0.43% | 3.87% | 3.25% | 6.57% | 2.13% | +256 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.75% | 0.46% | 0.38% | 0.05% | 0.04% | 0.20% | 0.37% | 0.31% | +26 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.85% | 0.84% | 0.83% | 0.82% | 0.81% | 0.80% | 0.82% | 0.79% | -3 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.8x | 2.2x | 16.4x | 19.6x | 4.0x | 2.2x | 2.6x | -13.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.54% | 13.54% | 14.09% | 14.04% | 13.61% | 13.40% | 14.03% | 14.29% | +26 bps | |
| Total Risk-Based Capital | 23.34% | 22.77% | 22.82% | 22.57% | 22.75% | 22.31% | 22.72% | 22.16% | -41 bps | |
| Equity / Assets | 10.91% | 11.05% | 11.22% | 11.17% | 10.85% | 11.75% | 11.74% | 12.36% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.93% | 78.33% | 80.81% | 81.70% | 72.88% | 79.34% | 77.42% | 83.15% | +145 bps | |
| Liquid Assets / Assets | 6.90% | 5.62% | 6.37% | 5.76% | 8.55% | 8.06% | 9.35% | 4.36% | -140 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 169.84% | 175.35% | 170.80% | n/a | n/a | |
Ambler, PA · Cert 28701 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)
SI · FDIC · 6 branches
Q2 2026
Return on Assets
0.65%
Rank 23 of 31
Net Interest Margin
2.75%
Rank 23 of 31
Efficiency Ratio
78.02%
Rank 21 of 31
Equity / Assets
12.36%
Rank 16 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.63% | 0.93% | 2.39% | Beats 26% | 23 / 31 | ||
| Return on Equity | 5.22% | 4.15% | 7.07% | 14.29% | Beats 35% | 20 / 31 | ||
| Net Interest Margin | 2.75% | 2.72% | 3.26% | 3.84% | Beats 26% | 23 / 31 | ||
| Efficiency Ratio | 78.02% | 49.04% | 63.83% | 80.34% | Beats 35% | 21 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.00% | 0.24% | 1.22% | Beats 48% | 15 / 27 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.01% | Beats 100% | 16 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.35% | 13.01% | 19.43% | 42.39% | Beats 52% | 15 / 31 | ||
| Total Risk-Based Capital Ratio | 22.16% | 13.95% | 20.55% | 43.38% | Beats 52% | 15 / 31 | ||
| Equity / Assets | 12.36% | 9.21% | 12.36% | 21.28% | Beats 48% | 16 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.15% | 52.41% | 83.15% | 99.86% | 48th pctl | 16 / 31 | ||
| Loans / Assets | 70.29% | 37.80% | 67.87% | 79.23% | 52nd pctl | 15 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||