Wilmington, DE · Cert 34193
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
100
Profitability
74
Liquidity
29
Efficiency
87
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wilmington, DE · Cert 34193
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #50 of 88 inst. · $0.2B 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 | 3.40% | 3.37% | 2.94% | 3.15% | 3.08% | 0.22% | 2.34% | 2.09% | -105 bps | |
| Return on Equity | 18.16% | 18.69% | 18.90% | 19.79% | 18.77% | 1.37% | 14.46% | 12.93% | -686 bps | |
| Net Interest Margin | 5.14% | 4.98% | 4.78% | 4.76% | 4.91% | 4.62% | 4.03% | 3.95% | -81 bps | |
| Efficiency Ratio | 36.88% | 36.44% | 35.30% | 30.41% | 31.63% | 95.55% | 40.27% | 42.35% | +1,193 bps | |
| Non-Interest Burden | 1.24% | 1.20% | 1.09% | 0.82% | 0.92% | 4.37% | 1.11% | 1.20% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.48% | 18.35% | 29.55% | 25.86% | -4.15% | 1.40% | -6.86% | 0.01% | -2,585 bps | |
| Loan Growth (YoY) | 8.00% | 20.24% | 21.57% | 4.24% | 6.70% | -4.13% | -4.68% | 1.54% | -270 bps | |
| Deposit Growth (YoY) | 44.35% | 22.43% | 36.65% | 31.82% | -5.41% | 1.28% | -8.17% | 0.47% | -3,135 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.65% | 0.62% | 0.59% | 0.58% | 0.57% | 0.58% | 0.56% | 0.52% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.35% | 15.01% | 15.95% | 16.66% | 18.17% | 14.77% | 16.31% | 17.49% | +83 bps | |
| Total Risk-Based Capital | 88.00% | 68.78% | 73.47% | 76.30% | 80.31% | 69.77% | 72.69% | 78.67% | +237 bps | |
| Equity / Assets | 16.96% | 15.62% | 15.46% | 16.64% | 17.99% | 15.68% | 16.67% | 16.25% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 22.03% | 26.44% | 24.78% | 24.07% | 24.85% | 25.03% | 25.72% | 24.33% | +26 bps | |
| Liquid Assets / Assets | 81.14% | 77.09% | 78.40% | 79.47% | 79.04% | 78.19% | 77.79% | 79.02% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 100.32% | 116.94% | 111.89% | n/a | n/a | |
Wilmington, DE · Cert 34193 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
2.02%
Rank 9 of 31
Net Interest Margin
3.95%
Rank 6 of 31
Efficiency Ratio
42.34%
Rank 5 of 31
Equity / Assets
16.25%
Rank 12 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.02% | 0.63% | 0.93% | 2.39% | Beats 71% | 9 / 31 | ||
| Return on Equity | 12.46% | 4.15% | 7.07% | 14.29% | Beats 71% | 9 / 31 | ||
| Net Interest Margin | 3.95% | 2.72% | 3.26% | 3.84% | Beats 81% | 6 / 31 | ||
| Efficiency Ratio | 42.34% | 49.04% | 63.83% | 80.34% | Beats 87% | 5 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.24% | 1.22% | Beats 100% | 7 / 27 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.01% | Beats 100% | 16 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 78.16% | 13.01% | 19.43% | 42.39% | Beats 84% | 5 / 31 | ||
| Total Risk-Based Capital Ratio | 78.67% | 13.95% | 20.55% | 43.38% | Beats 84% | 5 / 31 | ||
| Equity / Assets | 16.25% | 9.21% | 12.36% | 21.28% | Beats 61% | 12 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 24.33% | 52.41% | 83.15% | 99.86% | 16th pctl | 26 / 31 | ||
| Loans / Assets | 20.29% | 37.80% | 67.87% | 79.23% | 16th pctl | 26 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||