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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