Philadelphia, PA · Cert 35075
State charter, non-member · FDIC · 1 branch
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
83
Asset Quality
100
Profitability
62
Liquidity
4
Efficiency
52
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.
Philadelphia, PA · Cert 35075
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #77 of 88 inst. · $0.0B 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 | 11.64% | 12.69% | 10.73% | 11.78% | 12.78% | 13.25% | 11.41% | 14.18% | +240 bps | |
| Return on Equity | 16.76% | 18.33% | 15.52% | 16.90% | 18.35% | 19.08% | 16.49% | 20.30% | +340 bps | |
| Net Interest Margin | 2.26% | 2.40% | 3.10% | 2.94% | 2.95% | 2.69% | 2.13% | 2.45% | -49 bps | |
| Efficiency Ratio | 67.42% | 66.57% | 68.56% | 66.03% | 63.50% | 65.13% | 68.55% | 63.83% | -221 bps | |
| Non-Interest Burden | -13.04% | -13.38% | -11.45% | -13.15% | -14.42% | -13.89% | -12.73% | -16.59% | -344 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.84% | 11.94% | 4.25% | 8.41% | 3.44% | 4.75% | 2.35% | 3.29% | -513 bps | |
| Loan Growth (YoY) | 92.81% | 46.38% | 47.63% | 12.64% | 9.00% | -31.32% | -34.40% | -18.95% | -3,160 bps | |
| Deposit Growth (YoY) | 17.79% | 19.96% | 3.39% | 13.52% | 13.80% | 15.46% | 13.48% | 8.16% | -536 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.63% | 1.52% | 1.53% | 1.55% | 1.49% | 2.22% | 2.34% | 1.91% | +36 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 | 71.53% | 68.80% | 71.72% | 71.95% | 72.05% | 69.09% | 69.09% | 71.82% | -13 bps | |
| Total Risk-Based Capital | 71.53% | 68.80% | 71.72% | 71.95% | 72.05% | 69.09% | 69.09% | 71.82% | -13 bps | |
| Equity / Assets | 68.30% | 68.35% | 69.86% | 70.91% | 69.42% | 68.79% | 69.69% | 71.13% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 137.29% | 138.11% | 146.32% | 143.81% | 131.50% | 82.15% | 84.58% | 107.76% | -3,605 bps | |
| Liquid Assets / Assets | 6.67% | 4.19% | 5.64% | 6.20% | 8.29% | 26.14% | 15.95% | 5.41% | -79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 3.81% | 5.38% | 5.30% | n/a | n/a | |
Philadelphia, PA · Cert 35075 · 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 · 1 branch
Q2 2026
Return on Assets
14.17%
Rank 2 of 31
Net Interest Margin
2.45%
Rank 29 of 31
Efficiency Ratio
63.83%
Rank 16 of 31
Equity / Assets
71.13%
Rank 4 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 14.17% | 0.63% | 0.93% | 2.39% | Beats 94% | 2 / 31 | ||
| Return on Equity | 19.92% | 4.15% | 7.07% | 14.29% | Beats 87% | 4 / 31 | ||
| Net Interest Margin | 2.45% | 2.72% | 3.26% | 3.84% | Beats 6% | 29 / 31 | ||
| Efficiency Ratio | 63.83% | 49.04% | 63.83% | 80.34% | Beats 52% | 16 / 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 | 71.82% | 13.01% | 19.43% | 42.39% | Beats 81% | 6 / 31 | ||
| Total Risk-Based Capital Ratio | 71.82% | 13.95% | 20.55% | 43.38% | Beats 81% | 6 / 31 | ||
| Equity / Assets | 71.13% | 9.21% | 12.36% | 21.28% | Beats 87% | 4 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 107.76% | 52.41% | 83.15% | 99.86% | 84th pctl | 5 / 31 | ||
| Loans / Assets | 23.47% | 37.80% | 67.87% | 79.23% | 19th pctl | 25 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||