Philadelphia, PA · Cert 33802
SI · FDIC · 1 branch
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #68 of 88 inst. · $0.1B 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 | -1.95% | -1.92% | -2.43% | -2.16% | -0.87% | -2.63% | -5.01% | -3.34% | -118 bps | |
| Return on Equity | -26.42% | -26.90% | -40.22% | -36.62% | -14.90% | -48.69% | -139.62% | -108.49% | -7,187 bps | |
| Net Interest Margin | 3.03% | 3.08% | 2.75% | 2.89% | 2.73% | 2.76% | 2.94% | 2.82% | -7 bps | |
| Efficiency Ratio | 163.38% | 173.93% | 212% | 197.78% | 121.30% | 132.90% | 213% | 188.70% | -908 bps | |
| Non-Interest Burden | 5.79% | 6.13% | 6.08% | 5.95% | 3.74% | 4.23% | 6.78% | 5.79% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.42% | -2.86% | -12.91% | -7.86% | -1.13% | -0.78% | 1.66% | 5.19% | +1,304 bps | |
| Loan Growth (YoY) | -11.52% | -14.27% | -16.97% | -1.97% | 3.40% | 7.42% | 8.92% | 4.93% | +689 bps | |
| Deposit Growth (YoY) | 10.63% | 6.96% | -4.87% | -4.11% | 1.91% | 4.10% | 5.79% | 9.54% | +1,365 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 10.52% | 8.55% | 7.63% | 7.28% | 7.54% | 7.79% | 6.91% | 9.23% | +195 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.83% | 0.94% | +94 bps | |
| Allowance / Loans | 2.62% | 2.23% | 2.23% | 2.21% | 2.15% | 1.98% | 1.37% | 1.26% | -95 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.2x | 0.1x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 5.79% | 5.17% | 4.40% | 4.00% | 4.36% | 3.63% | 2.41% | 2.06% | -194 bps | |
| Total Risk-Based Capital | 10.56% | 9.08% | 7.83% | 7.12% | 7.59% | 6.59% | 4.72% | 4.14% | -298 bps | |
| Equity / Assets | 6.51% | 6.19% | 5.90% | 5.62% | 5.56% | 3.73% | 2.50% | 2.04% | -358 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.26% | 83.36% | 86.06% | 89.20% | 84.48% | 86.01% | 88.60% | 85.44% | -376 bps | |
| Liquid Assets / Assets | 19.43% | 18.77% | 14.14% | 10.25% | 10.37% | 8.18% | 4.83% | 7.42% | -283 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 708% | 825% | 1256% | n/a | n/a | |