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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.13% | 1.07% | 1.45% | 0.95% | 1.14% | 1.00% | 1.37% | -7 bps | |
| Return on Equity | 10.19% | 11.83% | 10.82% | 14.27% | 9.41% | 11.11% | 9.90% | 14.04% | -23 bps | |
| Net Interest Margin | 3.28% | 3.11% | 3.19% | 3.32% | 3.24% | 3.19% | 3.36% | 3.27% | -5 bps | |
| Efficiency Ratio | 64.12% | 65.78% | 61.36% | 55.81% | 65.62% | 60.15% | 64.43% | 64.41% | +859 bps | |
| Non-Interest Burden | 1.99% | 1.89% | 1.79% | 1.62% | 1.99% | 1.59% | 1.96% | 1.82% | +19 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% | 0.13% | 0.18% | 0.03% | -0.02% | 0.11% | 0.04% | 0.05% | +1 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 | |