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Iron Workers Savings Bank

Aston, PA · Cert 28908

SI · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

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.

Peer group

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.

Peer standing

Capital

6

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Iron Workers Savings Bank

Aston, PA · Cert 28908

SI · FDIC · 3 branches

Q2 2026

$217.5MAssets
$164.9MLoans
$191.9MDeposits
$16.9MEquity
Loan mix
99%RE $163.1M1%C&I $1.5M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $159.1M17%Noninterest $32.8MQ3 2024Q2 2026

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #52 of 88 inst. · $0.2B of $685.1B

Executive Summary

  • Earnings: ROA of 0.22%, up 29 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.13%, down 6 bps from a year ago.
  • Funding: loans stand at 85.93% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.22%+29 bps YoY

Net Interest Margin (YTD, annualized)

2.55%+48 bps YoY

Efficiency Ratio (YTD, annualized)

88.80%-1,678 bps YoY

Tier 1 Leverage Ratio

9.13%-6 bps YoY

NIM

3.96%Q2 ’244.13%Q2 ’254.42%Q2 ’26+2%+23%

Non-interest income vs. expense

2.30%Q2 ’242.31%Q2 ’252.38%Q2 ’26+0%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.08%-0.05%-0.18%-0.07%0.00%0.08%0.14%0.22%+29 bps
Return on Equity-1.07%-0.75%-2.44%-0.96%0.04%1.08%1.79%2.82%+378 bps
Net Interest Margin1.99%1.97%1.96%2.07%2.17%2.23%2.45%2.55%+48 bps
Efficiency Ratio106.05%104.65%113.31%105.58%100.81%95.93%93.14%88.80%-1,678 bps
Non-Interest Burden2.12%2.07%2.24%2.19%2.18%2.13%2.28%2.25%+6 bps
Growth
Asset Growth (YoY)2.72%1.13%-1.08%-1.78%-2.38%-0.67%2.95%3.70%+548 bps
Loan Growth (YoY)0.31%-3.80%-3.42%0.32%-0.11%4.58%3.96%0.79%+48 bps
Deposit Growth (YoY)7.31%6.29%2.45%2.07%0.75%1.94%4.33%5.44%+337 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.02%0.00%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.58%0.59%0.59%0.57%0.57%0.57%0.57%0.58%+1 bps
Allowance Coverage of NPLsn/an/an/a33.3xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.01%8.88%9.12%9.18%9.19%9.19%9.08%9.13%-6 bps
Total Risk-Based Capital14.86%15.01%13.91%13.42%9.19%9.19%9.08%9.13%-430 bps
Equity / Assets7.56%7.20%7.62%7.62%7.90%7.91%7.89%7.77%+15 bps
Liquidity & Funding
Loans / Deposits91.74%88.33%88.91%89.89%90.96%90.62%88.59%85.93%-397 bps
Liquid Assets / Assets5.50%8.09%5.49%4.43%4.37%4.71%6.19%8.24%+381 bps
CRE / Total Capitaln/an/an/an/a253%266%266%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Iron Workers Savings Bank

Aston, PA · Cert 28908 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

SI · FDIC · 3 branches

Q2 2026

$217.5MAssets
$164.9MLoans
$191.9MDeposits
$16.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 7 of 27).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 30 of 31).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.22%

Rank 27 of 31

Net Interest Margin

2.55%

Rank 27 of 31

Efficiency Ratio

88.80%

Rank 27 of 31

Equity / Assets

7.77%

Rank 27 of 31

Non-interest income vs. expense

$0.3M$5.1MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 16% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 88.80%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.22%0.63%0.93%2.39%Beats 13%27 / 31
Return on Equity2.80%4.15%7.07%14.29%Beats 13%27 / 31
Net Interest Margin2.55%2.72%3.26%3.84%Beats 13%27 / 31
Efficiency Ratio88.80%49.04%63.83%80.34%Beats 16%27 / 31
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.24%1.22%Beats 100%7 / 27
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%16 / 27
Capital
Tier 1 Capital Ratio9.13%13.01%19.43%42.39%Beats 3%30 / 31
Total Risk-Based Capital Ratio9.13%13.95%20.55%43.38%Beats 3%30 / 31
Equity / Assets7.77%9.21%12.36%21.28%Beats 13%27 / 31
Liquidity & Funding
Loans / Deposits85.93%52.41%83.15%99.86%55th pctl14 / 31
Loans / Assets75.83%37.80%67.87%79.23%61st pctl12 / 31
Brokered Deposits / Depositsn/aNot reported for this institution