Collingswood, NJ · Cert 35456
FDIC · 3 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=31 to 35). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
26
Profitability
61
Liquidity
78
Efficiency
63
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.
Collingswood, NJ · Cert 35456
FDIC · 3 branches
Q4 2025
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2025 SOD (annual) · 0.1% share · #29 of 88 inst. · $0.7B of $648.1B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 1.03% | 1.04% | 1.14% | 0.95% | 1.05% | 1.04% | 1.12% | -3 bps | |
| Return on Equity | 10.19% | 11.01% | 10.93% | 11.82% | 9.41% | 10.27% | 10.24% | 11.14% | -68 bps | |
| Net Interest Margin | 3.28% | 3.21% | 3.17% | 3.13% | 3.24% | 3.21% | 3.30% | 3.16% | +3 bps | |
| Efficiency Ratio | 64.12% | 64.94% | 63.73% | 61.59% | 65.62% | 62.74% | 63.31% | 63.60% | +201 bps | |
| Non-Interest Burden | 1.99% | 1.94% | 1.87% | 1.77% | 1.99% | 1.79% | 1.87% | 1.78% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.14% | 0.84% | 1.10% | 1.92% | 6.12% | 8.13% | 3.43% | 4.87% | +295 bps | |
| Loan Growth (YoY) | 3.43% | -0.75% | -0.30% | -1.86% | -1.71% | 0.73% | -1.57% | -1.13% | +73 bps | |
| Deposit Growth (YoY) | 1.27% | 0.41% | 2.61% | 8.63% | 12.92% | 13.80% | 2.93% | 5.48% | -316 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.30% | 0.31% | 0.27% | 0.39% | 0.70% | 0.70% | 0.90% | +63 bps | |
| Net Charge-Offs / Loans | -0.07% | 0.03% | 0.08% | 0.07% | -0.02% | 0.05% | 0.05% | 0.05% | -2 bps | |
| Allowance / Loans | 1.54% | 1.47% | 1.44% | 1.42% | 1.44% | 1.43% | 1.47% | 1.39% | -4 bps | |
| Allowance Coverage of NPLs | 4.7x | 4.9x | 4.7x | 5.3x | 3.7x | 2.0x | 2.1x | 1.5x | -3.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.19% | 10.55% | 10.68% | 10.68% | 10.68% | 10.97% | 10.27% | 9.82% | -86 bps | |
| Total Risk-Based Capital | 15.79% | 16.51% | 17.00% | 17.51% | 17.47% | 17.74% | 16.70% | 17.08% | -43 bps | |
| Equity / Assets | 9.34% | 9.74% | 10.12% | 10.13% | 10.13% | 10.35% | 9.94% | 9.61% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.58% | 96.77% | 90.70% | 83.72% | 83.19% | 85.65% | 86.73% | 78.48% | -525 bps | |
| Liquid Assets / Assets | 9.38% | 10.31% | 9.86% | 13.22% | 12.94% | 13.05% | 14.13% | 17.47% | +425 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 224% | 225% | n/a | |
Collingswood, NJ · Cert 35456 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31-35)
FDIC · 3 branches
Q4 2025
Return on Assets
1.09%
Rank 13 of 35
Net Interest Margin
3.16%
Rank 18 of 35
Efficiency Ratio
63.60%
Rank 14 of 35
Equity / Assets
9.61%
Rank 24 of 35
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 0.30% | 0.84% | 1.48% | Beats 63% | 13 / 35 | ||
| Return on Equity | 11.36% | 2.99% | 5.01% | 11.91% | Beats 71% | 10 / 35 | ||
| Net Interest Margin | 3.16% | 2.81% | 3.16% | 3.48% | Beats 49% | 18 / 35 | ||
| Efficiency Ratio | 63.60% | 56.98% | 71.38% | 88.17% | Beats 63% | 14 / 35 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.90% | 0.00% | 0.19% | 0.90% | Beats 26% | 24 / 31 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.82% | 12.92% | 18.93% | 34.69% | Beats 37% | 22 / 35 | ||
| Total Risk-Based Capital Ratio | 17.08% | 13.83% | 20.18% | 35.18% | Beats 40% | 21 / 35 | ||
| Equity / Assets | 9.61% | 9.35% | 11.63% | 18.66% | Beats 31% | 24 / 35 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.48% | 69.97% | 86.01% | 99.72% | 32nd pctl | 21 / 31 | ||
| Loans / Assets | 70.49% | 61.12% | 72.08% | 80.57% | 42nd pctl | 18 / 31 | ||
| Brokered Deposits / Deposits | 9.54% | n/a | n/a | 1.37% | Beats 11% | 32 / 35 | ||