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Presence Bank

Coatesville, PA · Cert 30085 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31-35)

FDIC · 4 branches

Q4 2025

$456.0MAssets
$356.0MLoans
$359.0MDeposits
$42.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 39% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 20 of 31).
  • Widest gap: return on equity trails 91% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 32 of 35).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

-0.13%

Rank 32 of 35

Net Interest Margin

2.81%

Rank 27 of 35

Efficiency Ratio

107.02%

Rank 32 of 35

Equity / Assets

9.35%

Rank 26 of 35

Non-interest income vs. expense

$0.6M$14.5MINCOMEEXPENSE
Unfavorable gap of $13.9M · efficiency ratio beats 11% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 107.02%Peer median 71.4%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.13%0.30%0.84%1.48%Beats 9%32 / 35
Return on Equity-1.37%2.99%5.01%11.91%Beats 9%32 / 35
Net Interest Margin2.81%2.81%3.16%3.48%Beats 23%27 / 35
Efficiency Ratio107.02%56.98%71.38%88.17%Beats 11%32 / 35
Asset Quality
Nonperforming Loans / Loans0.24%0.00%0.19%0.90%Beats 39%20 / 31
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.72%12.92%18.93%34.69%Beats 11%31 / 35
Total Risk-Based Capital Ratio12.96%13.83%20.18%35.18%Beats 17%29 / 35
Equity / Assets9.35%9.35%11.63%18.66%Beats 26%26 / 35
Liquidity & Funding
Loans / Deposits99.18%69.97%86.01%99.72%71st pctl9 / 31
Loans / Assets78.08%61.12%72.08%80.57%65th pctl11 / 31
Brokered Deposits / Deposits3.12%n/an/a1.37%Beats 17%30 / 35