PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 0.30%, up 26 bps year over year; NIM at 2.66%.
  • 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 (quarter, annualized)

0.30%+26 bps YoY

Net Interest Margin (quarter, annualized)

2.66%+50 bps YoY

Efficiency Ratio (quarter, annualized)

84.84%-1,374 bps YoY

Tier 1 Leverage Ratio

9.13%-6 bps YoY

NIM

4.02%Q2 ’244.18%Q2 ’254.52%Q2 ’26+8%+23%

Non-interest income vs. expense

2.19%Q2 ’242.27%Q2 ’252.37%Q2 ’26+4%+5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.02%0.02%-0.18%0.04%0.15%0.32%0.14%0.30%+26 bps
Return on Equity-0.31%0.20%-2.44%0.50%1.98%4.06%1.79%3.85%+334 bps
Net Interest Margin1.94%2.01%1.96%2.17%2.37%2.47%2.45%2.66%+50 bps
Efficiency Ratio102.75%100.52%113.31%98.58%92.46%83.09%93.14%84.84%-1,374 bps
Non-Interest Burden1.99%2.02%2.24%2.14%2.18%2.03%2.28%2.24%+10 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