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County Savings Bank

Essington, PA · Cert 29231

State savings bank · OCC · 3 branches

Q2 2026

$90.4MAssets
$55.9MLoans
$82.2MDeposits
$7.3MEquity
Loan mix
100%RE $54.1M0%C&I $0.0M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $68.8M16%Noninterest $13.5MQ2 2025Q2 2026

NIM

3.39%Q2 ’243.79%Q2 ’254.00%Q2 ’26+9%+7%

Non-interest income vs. expense

2.74%Q2 ’242.98%Q2 ’253.21%Q2 ’26+9%+7%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #66 of 88 inst. · $0.1B of $685.1B

Executive Summary

  • Earnings: ROA of 0.17%, up 1 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.08%, up 78 bps from a year ago.
  • Funding: loans stand at 67.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.17%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+20 bps YoY

Efficiency Ratio (YTD, annualized)

92.84%+22 bps YoY

Tier 1 Leverage Ratio

8.08%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.19%0.19%0.18%0.17%+1 bps
Return on Equity2.22%2.55%2.59%2.22%2.16%-6 bps
Net Interest Margin3.05%3.15%3.24%3.26%3.26%+20 bps
Efficiency Ratio92.62%92.14%92.05%94.36%92.84%+22 bps
Non-Interest Burden2.81%2.89%2.97%3.06%3.01%+19 bps
Growth
Asset Growth (YoY)-6.46%-9.20%-10.96%-7.86%-6.06%+41 bps
Loan Growth (YoY)4.42%3.19%3.18%1.72%5.51%+109 bps
Deposit Growth (YoY)-7.20%-10.22%-12.03%-8.86%-6.82%+38 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.73%0.70%0.73%0.71%0.72%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.31%7.60%7.88%8.17%8.08%+78 bps
Total Risk-Based Capital20.39%20.74%20.93%20.82%20.55%+15 bps
Equity / Assets7.35%7.72%8.05%8.05%8.02%+68 bps
Liquidity & Funding
Loans / Deposits60.01%63.61%67.12%66.42%67.95%+794 bps
Liquid Assets / Assets41.43%38.19%35.15%35.78%34.57%-686 bps
CRE / Total Capitaln/a114.41%107.77%109.68%n/an/a