Essington, PA · Cert 29231
State savings bank · OCC · 3 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
37
Asset Quality
100
Profitability
23
Liquidity
82
Efficiency
13
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.
Essington, PA · Cert 29231
State savings bank · OCC · 3 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #66 of 88 inst. · $0.1B 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 | 0.14% | 0.22% | 0.15% | 0.16% | 0.19% | 0.19% | 0.18% | 0.17% | +1 bps | |
| Return on Equity | 2.11% | 3.19% | 2.05% | 2.22% | 2.55% | 2.59% | 2.22% | 2.16% | -6 bps | |
| Net Interest Margin | 2.84% | 2.88% | 2.95% | 3.05% | 3.15% | 3.24% | 3.26% | 3.26% | +20 bps | |
| Efficiency Ratio | 92.75% | 91.75% | 93.84% | 92.62% | 92.14% | 92.05% | 94.36% | 92.84% | +22 bps | |
| Non-Interest Burden | 2.62% | 2.62% | 2.76% | 2.81% | 2.89% | 2.97% | 3.06% | 3.01% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.72% | 0.70% | -3.91% | -6.46% | -9.20% | -10.96% | -7.86% | -6.06% | +41 bps | |
| Loan Growth (YoY) | 5.67% | 5.70% | 6.22% | 4.42% | 3.19% | 3.18% | 1.72% | 5.51% | +109 bps | |
| Deposit Growth (YoY) | 0.56% | 0.50% | -4.39% | -7.20% | -10.22% | -12.03% | -8.86% | -6.82% | +38 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.79% | 0.71% | 0.71% | 0.73% | 0.70% | 0.73% | 0.71% | 0.72% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.79% | 6.95% | 7.02% | 7.31% | 7.60% | 7.88% | 8.17% | 8.08% | +78 bps | |
| Total Risk-Based Capital | 20.13% | 20.23% | 20.15% | 20.39% | 20.74% | 20.93% | 20.82% | 20.55% | +15 bps | |
| Equity / Assets | 6.76% | 6.99% | 7.22% | 7.35% | 7.72% | 8.05% | 8.05% | 8.02% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.34% | 57.22% | 59.52% | 60.01% | 63.61% | 67.12% | 66.42% | 67.95% | +794 bps | |
| Liquid Assets / Assets | 45.47% | 43.77% | 41.72% | 41.43% | 38.19% | 35.15% | 35.78% | 34.57% | -686 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 114.41% | 107.77% | 109.68% | n/a | n/a | |
Essington, PA · Cert 29231 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)
State savings bank · OCC · 3 branches
Q2 2026
Return on Assets
0.17%
Rank 28 of 31
Net Interest Margin
3.26%
Rank 16 of 31
Efficiency Ratio
92.84%
Rank 28 of 31
Equity / Assets
8.02%
Rank 26 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 0.63% | 0.93% | 2.39% | Beats 10% | 28 / 31 | ||
| Return on Equity | 2.15% | 4.15% | 7.07% | 14.29% | Beats 10% | 28 / 31 | ||
| Net Interest Margin | 3.26% | 2.72% | 3.26% | 3.84% | Beats 48% | 16 / 31 | ||
| Efficiency Ratio | 92.84% | 49.04% | 63.83% | 80.34% | Beats 13% | 28 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.24% | 1.22% | Beats 100% | 7 / 27 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.01% | Beats 100% | 16 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.43% | 13.01% | 19.43% | 42.39% | Beats 48% | 16 / 31 | ||
| Total Risk-Based Capital Ratio | 20.55% | 13.95% | 20.55% | 43.38% | Beats 48% | 16 / 31 | ||
| Equity / Assets | 8.02% | 9.21% | 12.36% | 21.28% | Beats 16% | 26 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.95% | 52.41% | 83.15% | 99.86% | 32nd pctl | 21 / 31 | ||
| Loans / Assets | 61.84% | 37.80% | 67.87% | 79.23% | 35th pctl | 20 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||