Hatboro, PA · Cert 30155
State savings bank · OCC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
71
Profitability
30
Liquidity
0
Efficiency
61
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hatboro, PA · Cert 30155
State savings bank · OCC · 4 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #38 of 88 inst. · $0.4B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.65% | 0.60% | 0.53% | 0.70% | 0.73% | 1.11% | 0.94% | +41 bps | |
| Return on Equity | 2.95% | 2.71% | 2.52% | 2.21% | 2.93% | 3.06% | 4.57% | 3.89% | +168 bps | |
| Net Interest Margin | 2.04% | 2.04% | 2.21% | 2.29% | 2.33% | 2.37% | 2.89% | 2.72% | +44 bps | |
| Efficiency Ratio | 64.98% | 67.09% | 64.56% | 66.76% | 63.34% | 62.06% | 53.04% | 56.76% | -1,000 bps | |
| Non-Interest Burden | 1.16% | 1.23% | 1.34% | 1.48% | 1.40% | 1.38% | 1.50% | 1.49% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.18% | 4.87% | 3.00% | 0.49% | 2.25% | 1.97% | 2.42% | 3.92% | +343 bps | |
| Loan Growth (YoY) | 11.85% | 12.21% | 11.84% | 11.37% | 10.05% | 8.91% | 6.71% | 4.79% | -658 bps | |
| Deposit Growth (YoY) | 3.97% | 5.66% | 2.83% | -0.59% | 2.01% | 1.22% | 1.76% | 3.80% | +439 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.65% | 0.63% | 0.56% | 0.46% | 0.54% | 0.66% | 0.64% | +8 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.63% | 0.62% | 0.67% | 0.69% | 0.66% | 0.69% | 0.68% | 0.69% | 0 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 1.1x | 1.2x | 1.4x | 1.3x | 1.0x | 1.1x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 24.20% | 24.34% | 24.07% | 24.31% | 24.42% | 24.39% | 24.49% | 24.52% | +20 bps | |
| Total Risk-Based Capital | 44.39% | 43.92% | 24.07% | 24.31% | 24.42% | 42.98% | 43.46% | 43.38% | +1,907 bps | |
| Equity / Assets | 24.15% | 23.69% | 23.84% | 24.09% | 24.30% | 24.21% | 24.24% | 24.14% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.83% | 102.12% | 102.83% | 107.66% | 109.85% | 109.88% | 107.83% | 108.68% | +103 bps | |
| Liquid Assets / Assets | 7.37% | 7.50% | 8.23% | 5.09% | 3.80% | 3.98% | 5.81% | 6.23% | +114 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.32% | 0.31% | 0.30% | n/a | n/a | |
Hatboro, PA · Cert 30155 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)
State savings bank · OCC · 4 branches
Q2 2026
Return on Assets
0.93%
Rank 16 of 31
Net Interest Margin
2.72%
Rank 24 of 31
Efficiency Ratio
56.76%
Rank 13 of 31
Equity / Assets
24.14%
Rank 6 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.63% | 0.93% | 2.39% | Beats 48% | 16 / 31 | ||
| Return on Equity | 3.86% | 4.15% | 7.07% | 14.29% | Beats 19% | 25 / 31 | ||
| Net Interest Margin | 2.72% | 2.72% | 3.26% | 3.84% | Beats 23% | 24 / 31 | ||
| Efficiency Ratio | 56.76% | 49.04% | 63.83% | 80.34% | Beats 61% | 13 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.64% | 0.00% | 0.24% | 1.22% | Beats 41% | 17 / 27 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.01% | Beats 100% | 16 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 42.39% | 13.01% | 19.43% | 42.39% | Beats 74% | 8 / 31 | ||
| Total Risk-Based Capital Ratio | 43.38% | 13.95% | 20.55% | 43.38% | Beats 74% | 8 / 31 | ||
| Equity / Assets | 24.14% | 9.21% | 12.36% | 21.28% | Beats 81% | 6 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 108.68% | 52.41% | 83.15% | 99.86% | 87th pctl | 4 / 31 | ||
| Loans / Assets | 80.72% | 37.80% | 67.87% | 79.23% | 77th pctl | 7 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||