Oaks, PA · Cert 35388
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #80 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 | 39.09% | 38.79% | 39.65% | 40.65% | 41.51% | 41.90% | 50.45% | 53.73% | +1,308 bps | |
| Return on Equity | 42.16% | 41.78% | 42.59% | 43.54% | 44.54% | 45.11% | 55.31% | 58.84% | +1,530 bps | |
| Net Interest Margin | 2.99% | 2.60% | 3.26% | 3.31% | 3.34% | 3.27% | 2.76% | 2.85% | -47 bps | |
| Efficiency Ratio | 60.48% | 61.03% | 57.61% | 58.14% | 58.49% | 59.24% | 57.30% | 56.34% | -180 bps | |
| Non-Interest Burden | -48.47% | -41.77% | -47.30% | -48.91% | -51.17% | -52.79% | -60.71% | -64.17% | -1,526 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.11% | 34.28% | 24.00% | 14.67% | -6.15% | -17.53% | -19.05% | -23.00% | -3,767 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) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| 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 | 104.54% | 96.91% | 88.29% | 88.86% | 84.72% | 83.59% | 85.73% | 80.40% | -845 bps | |
| Total Risk-Based Capital | 352% | 361% | 372% | 351% | 333% | 354% | 369% | 359% | +838 bps | |
| Equity / Assets | 93.41% | 93.29% | 92.90% | 93.89% | 92.70% | 91.34% | 91.08% | 91.51% | -238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |