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Firstrust Savings Bank
Conshohocken, PA·FDIC Cert #26647·Charter: STATE·Est. 19340101.0
Total Assets
$5.7B
Q4 2025
Return on Assets
1.91%
-0.18%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
54.18%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.91%-0.18
ROE
17.98%-1.60
Efficiency
54.18%+0.70
Equity/Assets
0.00%+0.00
NPL Ratio
0.76%+0.18
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
97.79%-4.85
Charge-offs
0.31%+0.08
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.7 | 1.7 | 1.7 | 1.7 | 2.1 | 2.0 | 2.1 | 1.9 |
| ROE | 16.9 | 16.5 | 16.6 | 16.3 | 19.6 | 18.5 | 19.6 | 18.0 |
| Efficiency | 60.7 | 55.1 | 55.4 | 56.5 | 53.7 | 55.3 | 53.5 | 54.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.6 | 0.6 | 0.6 | 0.7 | 0.8 | 0.6 | 0.8 |
| Charge-offs | 0.3 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.2 | 0.3 |
| Loan/Deposit | 90.8 | 107.2 | 106.9 | 105.7 | 106.5 | 105.4 | 102.6 | 97.8 |
Balance Sheet
Total Assets$5.7B
Total Deposits$4.7B
Total Loans$4.6B
Total Equity$595.8M
Profitability
ROA1.91%
ROE17.98%
Efficiency Ratio54.18%
Net Income$104.6M
Risk & Asset Quality
NPL Ratio0.76%
Charge-off Rate0.31%
Loan/Deposit97.79%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans