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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.59% | 0.53% | 0.63% | 0.91% | 0.68% | 0.71% | 0.83% | +20 bps | |
| Return on Equity | 5.07% | 5.62% | 5.05% | 5.77% | 8.09% | 5.86% | 6.12% | 7.06% | +128 bps | |
| Net Interest Margin | 2.66% | 2.67% | 2.70% | 2.88% | 2.92% | 2.96% | 2.96% | 3.17% | +29 bps | |
| Efficiency Ratio | 76.33% | 75.94% | 78.91% | 75.85% | 71.38% | 74.30% | 73.37% | 70.58% | -528 bps | |
| Non-Interest Burden | 1.90% | 1.90% | 2.00% | 2.04% | 1.90% | 2.03% | 2.00% | 2.06% | +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 | 0.47% | 0.00% | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | -6 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 | |