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1st Colonial Community Bank

Collingswood, NJ · Cert 35456

FDIC · 3 branches

Q4 2025

$881.8MAssets
$621.6MLoans
$792.1MDeposits
$84.8MEquity
Loan mix
93%RE $574.9M7%C&I $43.8M0%Consumer $0.8MQ4 2024Q4 2025
Deposit mix
90%Interest-bearing $715.9M10%Noninterest $76.2MQ4 2024Q4 2025

NIM

5.16%Q4 ’235.25%Q4 ’245.13%Q4 ’25+1%-1%

Non-interest income vs. expense

2.06%Q4 ’232.14%Q4 ’242.63%Q4 ’25-6%+12%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2025 SOD (annual) · 0.1% share · #29 of 88 inst. · $0.7B of $648.1B

4.2% Camden
1.0% Gloucester
0.1% Montgomery

Executive Summary

  • Earnings: ROA of 1.37%, down 7 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.90% of loans (+63 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 9.82%, down 86 bps from a year ago.
  • Funding: loans stand at 78.48% of deposits as of Q4 2025.

Financial Results

Return on Assets (quarter, annualized)

1.37%-7 bps YoY

Net Interest Margin (quarter, annualized)

3.27%-5 bps YoY

Efficiency Ratio (quarter, annualized)

64.41%+859 bps YoY

Tier 1 Leverage Ratio

9.82%-86 bps YoY

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.45%0.95%1.14%1.00%1.37%-7 bps
Return on Equity14.27%9.41%11.11%9.90%14.04%-23 bps
Net Interest Margin3.32%3.24%3.19%3.36%3.27%-5 bps
Efficiency Ratio55.81%65.62%60.15%64.43%64.41%+859 bps
Non-Interest Burden1.62%1.99%1.59%1.96%1.82%+19 bps
Growth
Asset Growth (YoY)1.92%6.12%8.13%3.43%4.87%+295 bps
Loan Growth (YoY)-1.86%-1.71%0.73%-1.57%-1.13%+73 bps
Deposit Growth (YoY)8.63%12.92%13.80%2.93%5.48%-316 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.39%0.70%0.70%0.90%+63 bps
Net Charge-Offs / Loans0.03%-0.02%0.11%0.04%0.05%+1 bps
Allowance / Loans1.42%1.44%1.43%1.47%1.39%-4 bps
Allowance Coverage of NPLs5.3x3.7x2.0x2.1x1.5x-3.7x
Capital
Tier 1 Leverage Ratio10.68%10.68%10.97%10.27%9.82%-86 bps
Total Risk-Based Capital17.51%17.47%17.74%16.70%17.08%-43 bps
Equity / Assets10.13%10.13%10.35%9.94%9.61%-52 bps
Liquidity & Funding
Loans / Deposits83.72%83.19%85.65%86.73%78.48%-525 bps
Liquid Assets / Assets13.22%12.94%13.05%14.13%17.47%+425 bps
CRE / Total Capitaln/an/an/a224%225%n/a