Coatesville, PA · Cert 30085
FDIC · 4 branches
Q4 2025
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2025 SOD (annual) · 0.0% share · #52 of 88 inst. · $0.2B of $648.1B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.40% | 0.42% | 0.50% | 0.52% | 0.60% | 0.68% | -0.13% | -62 bps | |
| Return on Equity | 4.12% | 4.50% | 4.68% | 5.46% | 5.52% | 6.32% | 7.08% | -1.35% | -681 bps | |
| Net Interest Margin | 2.33% | 2.36% | 2.42% | 2.43% | 2.73% | 2.69% | 2.79% | 2.81% | +38 bps | |
| Efficiency Ratio | 84.13% | 81.07% | 80.07% | 77.17% | 75.60% | 73.24% | 70.90% | 107.02% | +2,985 bps | |
| Non-Interest Burden | 1.93% | 1.88% | 1.90% | 1.81% | 2.01% | 1.91% | 1.91% | 3.02% | +121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.44% | 9.53% | 11.38% | 3.00% | 3.92% | 3.36% | 0.83% | 1.98% | -101 bps | |
| Loan Growth (YoY) | 7.94% | 7.11% | 5.68% | 7.14% | 3.96% | 3.87% | 2.30% | 1.97% | -517 bps | |
| Deposit Growth (YoY) | 17.92% | 11.17% | 15.75% | 6.38% | 5.52% | 4.74% | 0.07% | 1.35% | -502 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.37% | 0.36% | 0.32% | 0.31% | 0.25% | 0.25% | 0.24% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.06% | -0.03% | -0.03% | -0.02% | -0.03% | -9 bps | |
| Allowance / Loans | 1.32% | 1.31% | 1.27% | 1.25% | 1.27% | 1.26% | 1.26% | 1.25% | 0 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.5x | 3.5x | 3.9x | 4.1x | 5.0x | 5.1x | 5.2x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.25% | 9.20% | 9.37% | 9.60% | 9.71% | 9.46% | 9.78% | 9.18% | -42 bps | |
| Total Risk-Based Capital | 14.15% | 13.96% | 13.65% | 13.50% | 13.48% | 13.39% | 13.84% | 12.96% | -54 bps | |
| Equity / Assets | 8.83% | 8.99% | 9.19% | 9.45% | 9.31% | 9.55% | 9.99% | 9.35% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.95% | 99.29% | 98.24% | 98.58% | 95.51% | 98.46% | 100.43% | 99.18% | +60 bps | |
| Liquid Assets / Assets | 12.13% | 7.66% | 8.87% | 6.89% | 9.39% | 8.30% | 10.11% | 8.32% | +143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 511% | 550% | n/a | |