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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.67% | 3.09% | 2.94% | 3.32% | 2.92% | -10.30% | 2.34% | 1.89% | -143 bps | |
| Return on Equity | 19.89% | 18.95% | 18.90% | 20.69% | 16.87% | -61.13% | 14.46% | 11.47% | -922 bps | |
| Net Interest Margin | 5.73% | 5.18% | 4.78% | 4.83% | 4.85% | 4.53% | 4.03% | 3.74% | -109 bps | |
| Efficiency Ratio | 33.54% | 35.18% | 35.30% | 25.63% | 34.13% | 294% | 40.27% | 44.69% | +1,905 bps | |
| Non-Interest Burden | 1.27% | 1.23% | 1.09% | 0.57% | 1.06% | 14.88% | 1.11% | 1.25% | +68 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 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 | |