Millville, NJ · Cert 30183
SI · FDIC · 2 branches
Q2 2026
Market Position · Vineland, NJ · 2026 SOD (annual) · 2.8% share · #7 of 10 inst. · $0.1B of $5.3B
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 | 0.50% | 0.60% | 0.32% | 0.40% | 0.40% | 0.40% | 0.30% | 0.33% | -7 bps | |
| Return on Equity | 4.73% | 5.59% | 2.92% | 3.57% | 3.51% | 3.50% | 2.57% | 2.82% | -75 bps | |
| Net Interest Margin | 2.81% | 2.91% | 2.77% | 2.85% | 2.84% | 2.83% | 2.82% | 2.90% | +6 bps | |
| Efficiency Ratio | 83.66% | 79.89% | 87.39% | 82.59% | 82.31% | 84.49% | 91.53% | 88.51% | +592 bps | |
| Non-Interest Burden | 2.33% | 2.30% | 2.40% | 2.31% | 2.30% | 2.36% | 2.56% | 2.54% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.35% | 1.11% | 2.37% | 2.29% | 4.06% | 5.26% | 4.40% | 5.17% | +288 bps | |
| Loan Growth (YoY) | 17.80% | 22.18% | 19.56% | 8.51% | 12.69% | 6.88% | 9.10% | 18.90% | +1,039 bps | |
| Deposit Growth (YoY) | -1.36% | 0.42% | 1.27% | 1.34% | 3.63% | 4.10% | 3.73% | 4.56% | +322 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.20% | 0.07% | 0.15% | 0.27% | 0.14% | 0.14% | 0.12% | -3 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.02% | 0.02% | 0.01% | 0.03% | 0.02% | -0.02% | -0.01% | -2 bps | |
| Allowance / Loans | 2.11% | 2.07% | 2.11% | 2.08% | 2.00% | 2.00% | 1.96% | 1.77% | -31 bps | |
| Allowance Coverage of NPLs | 6.7x | 10.4x | 31.1x | 13.5x | 7.5x | 14.0x | 13.9x | 14.3x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.89% | 14.06% | 13.90% | 13.96% | 13.90% | 13.74% | 13.73% | 13.63% | -33 bps | |
| Total Risk-Based Capital | 31.24% | 29.67% | 30.16% | 29.74% | 30.15% | 30.49% | 30.63% | 27.66% | -208 bps | |
| Equity / Assets | 11.42% | 10.88% | 11.21% | 11.28% | 11.82% | 11.78% | 11.63% | 11.66% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.20% | 46.81% | 45.69% | 46.93% | 49.15% | 48.06% | 48.06% | 53.36% | +643 bps | |
| Liquid Assets / Assets | 17.94% | 17.61% | 18.90% | 19.58% | 20.12% | 19.44% | 20.59% | 16.96% | -262 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 65.83% | 59.26% | 61.85% | n/a | n/a | |