Philadelphia, PA · Cert 34759 · Asian Financial Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #34 of 88 inst. · $0.5B 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 | 1.05% | 1.09% | 1.18% | 1.21% | 1.26% | 1.24% | 1.27% | 1.34% | +12 bps | |
| Return on Equity | 4.75% | 4.97% | 5.84% | 6.08% | 6.38% | 6.31% | 6.88% | 7.25% | +118 bps | |
| Net Interest Margin | 2.86% | 2.80% | 2.93% | 3.04% | 3.13% | 3.10% | 3.44% | 3.44% | +40 bps | |
| Efficiency Ratio | 57.19% | 55.64% | 50.93% | 49.43% | 48.47% | 49.32% | 47.92% | 47.43% | -200 bps | |
| Non-Interest Burden | 1.59% | 1.48% | 1.45% | 1.45% | 1.46% | 1.48% | 1.60% | 1.58% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.65% | 10.53% | 19.46% | 20.79% | 12.80% | 16.49% | 12.93% | 11.37% | -943 bps | |
| Loan Growth (YoY) | 12.12% | 10.75% | 13.62% | 15.70% | 22.32% | 21.53% | 20.62% | 16.87% | +118 bps | |
| Deposit Growth (YoY) | 21.35% | 13.42% | 25.28% | 27.79% | 16.00% | 20.64% | 5.87% | 3.71% | -2,408 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.18% | 0.28% | 0.82% | 0.74% | 0.93% | 1.05% | 1.22% | +40 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.05% | 0.00% | 0.00% | 0.02% | 0.03% | 0.04% | 0.05% | +5 bps | |
| Allowance / Loans | 1.18% | 1.13% | 1.10% | 1.07% | 1.05% | 1.09% | 1.10% | 1.08% | +1 bps | |
| Allowance Coverage of NPLs | 4.5x | 6.1x | 4.0x | 1.3x | 1.4x | 1.2x | 1.0x | 0.9x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 22.78% | 21.87% | 20.49% | 20.31% | 20.04% | 19.29% | 19.32% | 19.15% | -117 bps | |
| Total Risk-Based Capital | 31.15% | 30.33% | 29.72% | 27.36% | 26.46% | 26.50% | 26.24% | 25.28% | -209 bps | |
| Equity / Assets | 21.24% | 20.73% | 19.74% | 19.53% | 19.45% | 18.66% | 18.20% | 18.52% | -101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.42% | 103.18% | 97.66% | 104.04% | 108.00% | 103.95% | 111.26% | 117.24% | +1,320 bps | |
| Liquid Assets / Assets | 12.76% | 12.13% | 15.38% | 9.99% | 7.06% | 9.92% | 11.48% | 8.49% | -150 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 325% | 332% | 339% | n/a | n/a | |