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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 1.05% | 0.84% | 1.11% | 0.78% | +32 bps | |
| Return on Equity | 1.91% | 4.33% | 3.45% | 4.57% | 3.22% | +131 bps | |
| Net Interest Margin | 2.36% | 2.44% | 2.56% | 2.89% | 2.58% | +23 bps | |
| Efficiency Ratio | 69.04% | 57.52% | 58.66% | 53.04% | 60.74% | -830 bps | |
| Non-Interest Burden | 1.62% | 1.24% | 1.39% | 1.50% | 1.50% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.49% | 2.25% | 1.97% | 2.42% | 3.92% | +343 bps | |
| Loan Growth (YoY) | 11.37% | 10.05% | 8.91% | 6.71% | 4.79% | -658 bps | |
| Deposit Growth (YoY) | -0.59% | 2.01% | 1.22% | 1.76% | 3.80% | +439 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.56% | 0.46% | 0.54% | 0.66% | 0.64% | +8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.69% | 0.66% | 0.69% | 0.68% | 0.69% | 0 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.4x | 1.3x | 1.0x | 1.1x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 24.31% | 24.42% | 24.39% | 24.49% | 24.52% | +20 bps | |
| Total Risk-Based Capital | 24.31% | 24.42% | 42.98% | 43.46% | 43.38% | +1,907 bps | |
| Equity / Assets | 24.09% | 24.30% | 24.21% | 24.24% | 24.14% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.66% | 109.85% | 109.88% | 107.83% | 108.68% | +103 bps | |
| Liquid Assets / Assets | 5.09% | 3.80% | 3.98% | 5.81% | 6.23% | +114 bps | |
| CRE / Total Capital | n/a | 0.32% | 0.31% | 0.30% | n/a | n/a | |