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 | |