Pilesgrove, NJ · Cert 30402
SI · FDIC · 7 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #47 of 88 inst. · $0.3B 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 | 0.65% | 0.59% | 0.33% | 0.40% | 0.42% | 0.45% | 0.55% | 0.68% | +28 bps | |
| Return on Equity | 8.28% | 7.56% | 4.09% | 4.79% | 5.01% | 5.28% | 6.19% | 7.50% | +271 bps | |
| Net Interest Margin | 3.47% | 3.35% | 3.19% | 3.30% | 3.36% | 3.34% | 3.47% | 3.58% | +28 bps | |
| Efficiency Ratio | 76.60% | 77.84% | 87.85% | 84.44% | 83.92% | 83.24% | 80.36% | 78.55% | -589 bps | |
| Non-Interest Burden | 2.55% | 2.51% | 2.75% | 2.72% | 2.74% | 2.70% | 2.70% | 2.71% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.52% | 2.74% | 2.15% | 2.58% | 3.15% | 4.06% | 3.25% | 2.64% | +6 bps | |
| Loan Growth (YoY) | 7.99% | 7.28% | 6.06% | 6.61% | 5.12% | 2.92% | 2.79% | 2.14% | -448 bps | |
| Deposit Growth (YoY) | -3.61% | 2.96% | 1.40% | 1.63% | 2.91% | 2.93% | 2.64% | 1.88% | +25 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.13% | 0.13% | 0.11% | 0.11% | 0.19% | 0.13% | 0.15% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.05% | 0.02% | +2 bps | |
| Allowance / Loans | 0.84% | 0.86% | 0.86% | 0.87% | 0.88% | 0.87% | 0.86% | 0.81% | -6 bps | |
| Allowance Coverage of NPLs | 7.9x | 6.6x | 6.8x | 7.7x | 7.7x | 4.5x | 6.4x | 5.5x | -2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.18% | 10.03% | 9.98% | 10.04% | 10.14% | 10.01% | 10.11% | 10.28% | +24 bps | |
| Total Risk-Based Capital | 18.46% | 18.14% | 18.57% | 17.95% | 18.10% | 18.19% | 18.35% | 18.26% | +31 bps | |
| Equity / Assets | 8.41% | 8.02% | 8.27% | 8.57% | 8.79% | 8.88% | 8.93% | 9.21% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.27% | 69.98% | 69.07% | 71.09% | 70.75% | 69.97% | 69.17% | 71.27% | +18 bps | |
| Liquid Assets / Assets | 10.15% | 10.12% | 12.56% | 11.85% | 14.04% | 16.49% | 18.33% | 15.66% | +381 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 209% | 211% | 215% | n/a | n/a | |