Port Richmond Savings
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Data as of · sourced from FFIEC call reports. How we update
Port Richmond Savings is an FDIC-insured savings bank headquartered in Philadelphia, PA, established in 1919 (FDIC certificate 27385), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $97.2M, up 0.8% from Q2 2025, the 101st largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 22.56% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27385
- Headquarters
- Philadelphia, PA
- Established
- 1919
- Total assets, Q2 2026
- $97.2M
- Assets vs Q2 2025
- +0.8%
- Tier 1 leverage ratio, Q2 2026
- 22.56%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 236074855
- Latest call report
- Q2 2026, FFIEC 051 · Port Richmond Savings call report
- Asset rank in state
- 101st of 109 in Pennsylvania
Port Richmond Savings runs leaner than most banks of its size. The Philadelphia, Pennsylvania bank had $97 million in assets at June 30, 2026. It spends about 49 cents to bring in each dollar of revenue, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 69 cents). On the other hand, it pays an average of 2.65% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
Delinquency has appeared in its $15 million non-owner-occupied commercial real estate book: 2.09% of those loans are past due or on nonaccrual, against almost none a year earlier. Net income for the quarter slipped 17% from a year earlier, to $526,000. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.97% of loans from 0.74% a year earlier.
As of June 30, 2026, Port Richmond Savings reported a return on assets of 2.17%, a nonperforming-loan ratio of 0.97% and a Texas ratio of 6.11%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Port Richmond Savings is the 101st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $97.2M, loans rose 4.5% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 53.9% of total loans, followed by owner-occupied commercial real estate loans at 23.9%. Its one office in the FDIC Summary of Deposits is in Philadelphia, PA. By the capital ratios in its Q2 2026 call report, Port Richmond Savings meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2522 E Allegheny Ave, Philadelphia, PA 19134
- County
- Philadelphia
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Former names
- Windthorst Warsaw Savings (1988-1991)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $60.8M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $96.8M
- Average total loans
- $84.8M
- Average interest-bearing deposits
- $47.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- November 21, 1988
- FDIC Cert
- 27385
- Fed RSSD
- 1225798
- Website
- www.prsbank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Port Richmond Savings reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Port Richmond Savings's total assets ran between $95.2M (Q3 2024) and $101.5M (Q4 2023), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$97.2M total assets against $96.4M; $75.3M total liabilities against $75.5M.
$87.0M net loans and leases against $85.4M; $60.8M total deposits against $58.3M.
$0 securities against $0; $7.3M cash and balances due against $8.9M.
$1.5M total interest income against $1.5M; $403K total interest expense against $390K.
$1.1M net interest income against $1.1M.
$35K total noninterest income against $42K; $538K total noninterest expense against $466K.
-$13K provision for credit losses against -$2K.
$526K net income against $635K.
2.17% return on assets against 2.66%; 4.48% net interest margin against 4.68%.
22.56% tier 1 leverage ratio against 21.94%.
Inside the full Port Richmond Savings terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Port Richmond Savings rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -4.83% (Q4 2024) to 3.01% (Q3 2024) and its net interest margin ran from 4.48% (Q2 2026) to 4.95% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.56% | 2.17% | 0.97% | 6.11% | 4.48% |
| Q1 2026 | 22.20% | 2.65% | 0.02% | 2.74% | 4.65% |
| Q4 2025 | 21.07% | -3.93% | 0.03% | 2.82% | 4.74% |
| Q3 2025 | 22.31% | 2.84% | 0.74% | 2.81% | 4.76% |
| Q2 2025 | 21.94% | 2.66% | 0.74% | 2.90% | 4.68% |
| Q1 2025 | 20.54% | 2.91% | 0.72% | 2.95% | 4.66% |
| Q4 2024 | 20.36% | -4.83% | 0.69% | 2.98% | 4.95% |
| Q3 2024 | 21.80% | 3.01% | 0.69% | 2.78% | 4.93% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Port Richmond Savings (main office) | Philadelphia , PA | 19134 | $60.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 30, 2000 | Structure Change | Acquired Jozef Poniatowski Building & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1999 | Structure Change | Acquired Gorgas Savings Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1997 | Structure Change | Acquired Fillmore Building & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 1983 | Structure Change | Acquired Reformed Building & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 136 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $4.4M approved, $4.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Port Richmond Savings
What are Port Richmond Savings's total assets?
As of the Q2 2026 filing, Port Richmond Savings reported total assets of $97.2 million in its FFIEC call report.
Where is Port Richmond Savings headquartered?
It is headquartered in Philadelphia, PA, United States.
When was Port Richmond Savings founded?
It was established in 1919, per the FDIC institution directory.
Is Port Richmond Savings FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #27385). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Port Richmond Savings?
Port Richmond Savings's primary federal regulator is the FDIC.
How many branches does Port Richmond Savings operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Port Richmond Savings's Texas Ratio?
Its Texas Ratio is 6.11% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Port Richmond Savings previously called?
The charter now named Port Richmond Savings has also operated as Windthorst Warsaw Savings (1988-1991), per FDIC structure-change records.
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