Phoenixville, PA · Cert 29995
SI · FDIC · 7 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
27
Asset Quality
28
Profitability
41
Liquidity
76
Efficiency
48
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.
Phoenixville, PA · Cert 29995
SI · FDIC · 7 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #33 of 88 inst. · $0.6B 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 | 0.46% | 0.49% | 0.53% | 0.58% | 0.69% | 0.69% | 0.71% | 0.77% | +19 bps | |
| Return on Equity | 4.55% | 4.84% | 5.05% | 5.42% | 6.32% | 6.21% | 6.12% | 6.59% | +117 bps | |
| Net Interest Margin | 2.64% | 2.65% | 2.70% | 2.81% | 2.86% | 2.89% | 2.96% | 3.07% | +26 bps | |
| Efficiency Ratio | 77.19% | 76.87% | 78.91% | 77.36% | 75.32% | 75.06% | 73.37% | 71.94% | -542 bps | |
| Non-Interest Burden | 1.91% | 1.92% | 2.00% | 2.04% | 2.00% | 2.01% | 2.00% | 2.03% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.46% | -0.82% | 0.29% | -2.60% | -2.75% | -2.11% | 0.39% | 0.56% | +316 bps | |
| Loan Growth (YoY) | 2.73% | 0.04% | -1.81% | -1.49% | -2.15% | -2.44% | -3.07% | -2.44% | -94 bps | |
| Deposit Growth (YoY) | 3.08% | 0.86% | 3.55% | 0.83% | 1.30% | 1.67% | 2.99% | 3.41% | +259 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.77% | 0.80% | 0.75% | 0.77% | 1.40% | 1.25% | 1.25% | +50 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.12% | 0.00% | 0.03% | 0.02% | 0.01% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.11% | 1.12% | 1.16% | 1.14% | 1.09% | 1.12% | 1.13% | 1.12% | -2 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.5x | 1.5x | 1.5x | 1.4x | 0.8x | 0.9x | 0.9x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.16% | 11.35% | 11.50% | 11.86% | 12.16% | 12.35% | 12.36% | 12.62% | +76 bps | |
| Total Risk-Based Capital | 11.16% | 11.35% | 11.50% | 11.86% | 12.16% | 12.35% | 12.36% | 12.62% | +76 bps | |
| Equity / Assets | 10.57% | 10.40% | 10.75% | 11.02% | 11.52% | 11.63% | 11.57% | 11.86% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.99% | 95.55% | 93.74% | 94.59% | 93.68% | 91.68% | 88.23% | 89.24% | -535 bps | |
| Liquid Assets / Assets | 6.42% | 7.65% | 7.83% | 6.66% | 6.39% | 8.23% | 11.24% | 9.87% | +321 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 249% | 242% | 234% | n/a | n/a | |
Phoenixville, PA · Cert 29995 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)
SI · FDIC · 7 branches
Q2 2026
Return on Assets
0.77%
Rank 18 of 31
Net Interest Margin
3.07%
Rank 19 of 31
Efficiency Ratio
71.94%
Rank 17 of 31
Equity / Assets
11.86%
Rank 17 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.77% | 0.63% | 0.93% | 2.39% | Beats 42% | 18 / 31 | ||
| Return on Equity | 6.49% | 4.15% | 7.07% | 14.29% | Beats 42% | 18 / 31 | ||
| Net Interest Margin | 3.07% | 2.72% | 3.26% | 3.84% | Beats 39% | 19 / 31 | ||
| Efficiency Ratio | 71.94% | 49.04% | 63.83% | 80.34% | Beats 48% | 17 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.25% | 0.00% | 0.24% | 1.22% | Beats 22% | 22 / 27 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.01% | Beats 33% | 19 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.62% | 13.01% | 19.43% | 42.39% | Beats 19% | 25 / 31 | ||
| Total Risk-Based Capital Ratio | 12.62% | 13.95% | 20.55% | 43.38% | Beats 16% | 26 / 31 | ||
| Equity / Assets | 11.86% | 9.21% | 12.36% | 21.28% | Beats 45% | 17 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.24% | 52.41% | 83.15% | 99.86% | 58th pctl | 13 / 31 | ||
| Loans / Assets | 76.99% | 37.80% | 67.87% | 79.23% | 68th pctl | 10 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||