Williamstown, NJ · Cert 30103
SI · FDIC · 2 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #65 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.50% | 0.54% | 0.69% | 0.68% | +25 bps | |
| Return on Equity | 3.17% | 3.65% | 4.00% | 5.04% | 4.96% | +180 bps | |
| Net Interest Margin | 3.37% | 3.43% | 3.41% | 3.34% | 3.35% | -2 bps | |
| Efficiency Ratio | 72.52% | 74.29% | 73.72% | 72.11% | 72.48% | -4 bps | |
| Non-Interest Burden | 2.43% | 2.53% | 2.50% | 2.37% | 2.40% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.11% | -2.84% | 5.91% | 2.12% | 3.39% | +649 bps | |
| Loan Growth (YoY) | -2.28% | -1.18% | -4.28% | -6.65% | -4.16% | -188 bps | |
| Deposit Growth (YoY) | -0.02% | 2.16% | 6.57% | 1.64% | 3.06% | +309 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.74% | 0.62% | 0.22% | 0.27% | 0.52% | -22 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.13% | 0.13% | 0.16% | 0.08% | -12 bps | |
| Allowance / Loans | 1.07% | 1.05% | 1.06% | 1.04% | 1.01% | -6 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.7x | 4.9x | 3.9x | 2.0x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.70% | 13.85% | 13.87% | 13.91% | 14.02% | +33 bps | |
| Total Risk-Based Capital | 24.06% | 24.50% | 25.05% | 26.03% | 26.01% | +194 bps | |
| Equity / Assets | 13.65% | 13.68% | 13.51% | 13.81% | 13.88% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.39% | 106.05% | 99.72% | 99.23% | 99.86% | -753 bps | |
| Liquid Assets / Assets | 11.82% | 12.72% | 17.02% | 16.91% | 16.29% | +447 bps | |
| CRE / Total Capital | n/a | 35.13% | 33.89% | 32.90% | n/a | n/a | |