Port Richmond Savings: how it compares with its peers
Against 13 PA banks with half to twice its assets, Port Richmond Savings's strongest measure in Q2 2026 is net interest margin (4.60% vs. a 2.36% peer median). Its weakest relative measure is assets per employee ($12.1M vs. $5.8M).
| Measure | Port Richmond Savings | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.39% | 0.27% | Top third Ahead of 85% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.60% | 2.36% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.16% | 85.06% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.1M | $5.8M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 143.21% | 75.71% | Context |
What it means for lending operations
Its efficiency ratio of 44.16% is better than the 85.06% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Armstrong County Building and Loan Association Ford City, PA · $95M
- Milton Savings Bank Milton, PA · $91M
- County Savings Bank Essington, PA · $90M
- Investment Savings Bank Altoona, PA · $105M
- Farmers Building and Savings Bank Rochester, PA · $123M
Questions about Port Richmond Savings
How big is Port Richmond Savings?
Port Richmond Savings, established in 1919, is headquartered in Philadelphia, PA. It reported $97M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Port Richmond Savings's return on assets?
2.39% annualized in Q2 2026, against a 0.27% median for 13 PA banks with half to twice its assets, ahead of 85% of them.
What is Port Richmond Savings's efficiency ratio?
44.16% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 85.06%, and lower is better.
Is Port Richmond Savings growing its loans?
Net loans grew 1.9% over the year to Q2 2026, while deposits grew 4.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.