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 | |