Doylestown, PA · Cert 30401 · Penn Cmty Mutual Holdings Inc.
SI · FDIC · 22 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.3% share · #18 of 88 inst. · $2.4B 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 | 0.39% | 0.28% | 0.19% | 0.28% | 0.32% | 0.39% | 0.62% | 0.58% | +30 bps | |
| Return on Equity | 3.90% | 2.84% | 1.84% | 2.77% | 3.08% | 3.77% | 5.68% | 5.31% | +255 bps | |
| Net Interest Margin | 1.97% | 1.95% | 1.98% | 2.08% | 2.14% | 2.24% | 2.47% | 2.51% | +43 bps | |
| Efficiency Ratio | 84.61% | 87.07% | 83.28% | 80.98% | 77.08% | 77.47% | 72.09% | 72.57% | -841 bps | |
| Non-Interest Burden | 1.62% | 1.66% | 1.60% | 1.63% | 1.58% | 1.66% | 1.69% | 1.74% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.82% | 2.26% | -0.02% | 0.90% | 1.97% | 3.25% | 4.24% | 2.44% | +153 bps | |
| Loan Growth (YoY) | 2.99% | 0.43% | 4.08% | 7.16% | 12.74% | 10.14% | 7.85% | 7.38% | +22 bps | |
| Deposit Growth (YoY) | 5.99% | 6.92% | 4.36% | 7.32% | 5.14% | 4.91% | 5.42% | 2.24% | -507 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.14% | 0.14% | 0.56% | 0.49% | 0.52% | 0.56% | +42 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.01% | 0.00% | 0.01% | 0.04% | 0.06% | 0.03% | +3 bps | |
| Allowance / Loans | 0.84% | 0.91% | 0.93% | 0.93% | 1.00% | 0.96% | 0.94% | 0.94% | +1 bps | |
| Allowance Coverage of NPLs | 8.8x | 10.1x | 6.7x | 6.6x | 1.8x | 2.0x | 1.8x | 1.7x | -4.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.16% | 12.22% | 12.50% | 12.45% | 12.26% | 12.46% | 12.64% | 12.68% | +23 bps | |
| Total Risk-Based Capital | 18.46% | 18.60% | 18.21% | 17.82% | 17.06% | 17.57% | 17.48% | 17.19% | -64 bps | |
| Equity / Assets | 10.43% | 9.93% | 10.40% | 10.29% | 10.63% | 10.83% | 10.97% | 10.94% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.91% | 83.17% | 86.60% | 85.99% | 91.05% | 87.32% | 88.59% | 90.31% | +432 bps | |
| Liquid Assets / Assets | 6.81% | 8.99% | 5.36% | 6.28% | 3.36% | 6.36% | 5.21% | 4.82% | -146 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 303% | 285% | 287% | n/a | n/a | |