Exton, PA · Cert 57967 · First Resource Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
54
Profitability
73
Liquidity
46
Efficiency
71
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.
Exton, PA · Cert 57967 · First Resource Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #29 of 88 inst. · $0.7B 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 | 0.95% | 0.87% | 1.06% | 1.10% | 1.17% | 1.18% | 1.31% | 1.37% | +26 bps | |
| Return on Equity | 12.33% | 11.33% | 13.45% | 13.99% | 14.82% | 14.97% | 16.21% | 16.78% | +279 bps | |
| Net Interest Margin | 3.17% | 3.19% | 3.45% | 3.47% | 3.48% | 3.27% | 3.72% | 3.85% | +38 bps | |
| Efficiency Ratio | 62.50% | 61.06% | 59.63% | 59.22% | 57.71% | 56.98% | 53.72% | 53.17% | -605 bps | |
| Non-Interest Burden | 1.91% | 1.87% | 1.97% | 1.97% | 1.92% | 1.79% | 1.87% | 1.93% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.21% | 10.12% | 10.52% | 8.83% | 11.23% | 23.17% | 20.10% | 20.61% | +1,178 bps | |
| Loan Growth (YoY) | 12.53% | 12.62% | 10.01% | 8.93% | 12.36% | 13.37% | 16.57% | 16.33% | +741 bps | |
| Deposit Growth (YoY) | 12.82% | 10.81% | 12.01% | 11.93% | 15.19% | 31.94% | 25.68% | 24.84% | +1,291 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.21% | 0.04% | 0.03% | 0.00% | 0.11% | 0.43% | 0.12% | +9 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.73% | 0.37% | 0.28% | 0.21% | 0.00% | 0.00% | -37 bps | |
| Allowance / Loans | 0.76% | 0.93% | 0.77% | 0.76% | 0.72% | 0.73% | 0.76% | 0.79% | +3 bps | |
| Allowance Coverage of NPLs | n/a | 4.4x | 17.7x | 22.0x | n/a | 6.8x | 1.8x | 6.5x | -15.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.27% | 8.28% | 8.39% | 8.45% | 8.43% | 8.40% | 8.38% | 8.62% | +17 bps | |
| Total Risk-Based Capital | 12.15% | 12.29% | 12.34% | 12.29% | 12.15% | 11.71% | 11.64% | 11.83% | -46 bps | |
| Equity / Assets | 7.77% | 7.77% | 7.92% | 7.96% | 8.00% | 7.88% | 8.24% | 8.29% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.36% | 108.14% | 105.23% | 104.01% | 103.74% | 92.92% | 97.60% | 96.93% | -709 bps | |
| Liquid Assets / Assets | 4.89% | 3.59% | 5.36% | 5.28% | 4.83% | 11.79% | 6.92% | 7.92% | +264 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 685% | 658% | 670% | n/a | n/a | |
Exton, PA · Cert 57967 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31) · First Resource Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.34%
Rank 13 of 31
Net Interest Margin
3.85%
Rank 7 of 31
Efficiency Ratio
53.17%
Rank 10 of 31
Equity / Assets
8.29%
Rank 25 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 0.63% | 0.93% | 2.39% | Beats 58% | 13 / 31 | ||
| Return on Equity | 16.12% | 4.15% | 7.07% | 14.29% | Beats 84% | 5 / 31 | ||
| Net Interest Margin | 3.85% | 2.72% | 3.26% | 3.84% | Beats 77% | 7 / 31 | ||
| Efficiency Ratio | 53.17% | 49.04% | 63.83% | 80.34% | Beats 71% | 10 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.00% | 0.24% | 1.22% | Beats 67% | 10 / 27 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.01% | Beats 41% | 17 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.94% | 13.01% | 19.43% | 42.39% | Beats 13% | 27 / 31 | ||
| Total Risk-Based Capital Ratio | 11.83% | 13.95% | 20.55% | 43.38% | Beats 13% | 27 / 31 | ||
| Equity / Assets | 8.29% | 9.21% | 12.36% | 21.28% | Beats 19% | 25 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.93% | 52.41% | 83.15% | 99.86% | 68th pctl | 10 / 31 | ||
| Loans / Assets | 86.44% | 37.80% | 67.87% | 79.23% | 90th pctl | 3 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||