Philadelphia, PA · Cert 35317
FDIC
Q2 2026
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 | 12.03% | 11.68% | 10.80% | 10.03% | 11.55% | 10.60% | 12.39% | 14.07% | +404 bps | |
| Return on Equity | 24.90% | 23.85% | 20.69% | 19.22% | 22.21% | 20.21% | 22.07% | 24.53% | +531 bps | |
| Net Interest Margin | 2.42% | 2.18% | 1.60% | 1.60% | 1.47% | 1.39% | 1.27% | 1.35% | -25 bps | |
| Efficiency Ratio | 87.99% | 88.18% | 89.04% | 89.56% | 87.83% | 88.84% | 87.09% | 85.58% | -398 bps | |
| Non-Interest Burden | -12.77% | -12.22% | -12.43% | -11.50% | -13.12% | -11.72% | -14.75% | -17.45% | -594 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.78% | 10.83% | 11.14% | 9.59% | 6.49% | 10.76% | 5.63% | 4.78% | -482 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 43.90% | 43.22% | 47.61% | 48.52% | 48.78% | 49.28% | 52.61% | 58.19% | +968 bps | |
| Total Risk-Based Capital | 55.00% | 57.57% | 61.03% | 60.81% | 66.03% | 74.22% | 80.74% | 84.53% | +2,372 bps | |
| Equity / Assets | 46.71% | 51.55% | 52.78% | 52.17% | 51.48% | 54.05% | 58.34% | 59.66% | +748 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 16.09% | 16.49% | 19.40% | 20.35% | 22.65% | 23.46% | 22.74% | 24.72% | +437 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |