Port Richmond Savings: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 61.90 percentage points lower than in Q1 2026, at 4900.00%. On return on assets, Port Richmond Savings ranks 6th highest among the 109 banks headquartered in Pennsylvania, at 2.17% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Port Richmond Savings reported 2.17% on return on assets in Q2 2026, 1.19 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 22.56% |
| Equity capital to assets | 22.49% |
| Tangible equity to tangible assets | 22.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.58% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.11% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 4900.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.17% |
| Return on equity | 9.75% |
| Net interest margin | 4.48% |
| Efficiency ratio | 48.82% |
| Yield on earning assets | 6.17% |
| Cost of funds | 2.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 144.90% |
| Core deposits to total deposits | 93.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 62.54% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 19.46% | 2.64% | 4.61% | 0.68% | 0.00% |
| Q4 2023 | 18.31% | -3.30% | 4.88% | 0.71% | 0.00% |
| Q1 2024 | 19.81% | 3.04% | 5.16% | 0.69% | 0.00% |
| Q2 2024 | 20.64% | 2.69% | 4.91% | 0.68% | 0.00% |
| Q3 2024 | 21.80% | 3.01% | 4.93% | 0.69% | 0.00% |
| Q4 2024 | 20.36% | -4.83% | 4.95% | 0.69% | 0.00% |
| Q1 2025 | 20.54% | 2.91% | 4.66% | 0.72% | 0.00% |
| Q2 2025 | 21.94% | 2.66% | 4.68% | 0.74% | 0.00% |
| Q3 2025 | 22.31% | 2.84% | 4.76% | 0.74% | 0.00% |
| Q4 2025 | 21.07% | -3.93% | 4.74% | 0.03% | 0.00% |
| Q1 2026 | 22.20% | 2.65% | 4.65% | 0.02% | 0.00% |
| Q2 2026 | 22.56% | 2.17% | 4.48% | 0.02% | 0.00% |
Port Richmond Savings vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Port Richmond Savings, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Port Richmond Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27385) · FFIEC NIC profile (RSSD 1225798)