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 (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 | 0.23% | 0.28% | 0.37% | 0.49% | 0.63% | 0.68% | 0.69% | 0.68% | +19 bps | |
| Return on Equity | 1.83% | 2.11% | 2.72% | 3.61% | 4.62% | 5.03% | 5.04% | 4.88% | +128 bps | |
| Net Interest Margin | 3.13% | 3.23% | 3.35% | 3.43% | 3.54% | 3.46% | 3.34% | 3.37% | -5 bps | |
| Efficiency Ratio | 74.48% | 72.87% | 73.77% | 71.29% | 77.67% | 72.04% | 72.11% | 72.86% | +156 bps | |
| Non-Interest Burden | 2.32% | 2.34% | 2.45% | 2.43% | 2.74% | 2.48% | 2.37% | 2.45% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.57% | 0.53% | 0.72% | -3.11% | -2.84% | 5.91% | 2.12% | 3.39% | +649 bps | |
| Loan Growth (YoY) | -3.81% | -4.03% | -1.11% | -2.28% | -1.18% | -4.28% | -6.65% | -4.16% | -188 bps | |
| Deposit Growth (YoY) | 4.28% | 4.82% | 5.39% | -0.02% | 2.16% | 6.57% | 1.64% | 3.06% | +309 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.36% | 0.34% | 0.74% | 0.62% | 0.22% | 0.27% | 0.52% | -22 bps | |
| Net Charge-Offs / Loans | 0.56% | 0.63% | 0.12% | 0.28% | 0.00% | 0.10% | 0.16% | 0.00% | -27 bps | |
| Allowance / Loans | 0.96% | 0.95% | 1.03% | 1.07% | 1.05% | 1.06% | 1.04% | 1.01% | -6 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.6x | 3.0x | 1.4x | 1.7x | 4.9x | 3.9x | 2.0x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.02% | 13.48% | 13.70% | 13.70% | 13.85% | 13.87% | 13.91% | 14.02% | +33 bps | |
| Total Risk-Based Capital | 23.18% | 23.64% | 23.80% | 24.06% | 24.50% | 25.05% | 26.03% | 26.01% | +194 bps | |
| Equity / Assets | 12.84% | 13.68% | 13.44% | 13.65% | 13.68% | 13.51% | 13.81% | 13.88% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.62% | 111.02% | 108.05% | 107.39% | 106.05% | 99.72% | 99.23% | 99.86% | -753 bps | |
| Liquid Assets / Assets | 14.20% | 8.97% | 11.21% | 11.82% | 12.72% | 17.02% | 16.91% | 16.29% | +447 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 35.13% | 33.89% | 32.90% | n/a | n/a | |