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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.39% | 0.40% | 0.60% | 0.63% | +30 bps | |
| Return on Equity | 3.03% | 3.50% | 3.59% | 5.10% | 5.30% | +227 bps | |
| Net Interest Margin | 2.42% | 2.39% | 2.38% | 2.63% | 2.75% | +33 bps | |
| Efficiency Ratio | 84.70% | 83.41% | 82.92% | 79.68% | 77.91% | -679 bps | |
| Non-Interest Burden | 2.02% | 1.97% | 1.95% | 1.95% | 2.03% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.58% | 3.38% | 3.69% | 2.62% | -0.58% | -216 bps | |
| Loan Growth (YoY) | 3.64% | 5.25% | 4.58% | 2.10% | 3.94% | +30 bps | |
| Deposit Growth (YoY) | -0.43% | 3.87% | 3.25% | 6.57% | 2.13% | +256 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 0.82% | 0.81% | 0.80% | 0.82% | 0.79% | -3 bps | |
| Allowance Coverage of NPLs | 16.4x | 19.6x | 4.0x | 2.2x | 2.6x | -13.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.04% | 13.61% | 13.40% | 14.03% | 14.29% | +26 bps | |
| Total Risk-Based Capital | 22.57% | 22.75% | 22.31% | 22.72% | 22.16% | -41 bps | |
| Equity / Assets | 11.17% | 10.85% | 11.75% | 11.74% | 12.36% | +119 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.70% | 72.88% | 79.34% | 77.42% | 83.15% | +145 bps | |
| Liquid Assets / Assets | 5.76% | 8.55% | 8.06% | 9.35% | 4.36% | -140 bps | |
| CRE / Total Capital | n/a | 169.84% | 175.35% | 170.80% | n/a | n/a | |