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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark One)

☒			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2026

OR

 

☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from                      to                     

Commission File Number 001-35638

WSFS FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Delaware

22-2866913

(State or other jurisdiction of Incorporation or organization)

(I.R.S. Employer Identification Number)

500 Delaware Ave,

Wilmington, Delaware, 19801

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code: (302) 792-6000

Not Applicable

(Former name or former address, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, par value $0.01 per share

WSFS

Nasdaq Global Select Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  x    No  ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or such shorter period that the registrant was required to submit such files).    Yes  x    No  ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer

x

Accelerated filer

☐

Non-accelerated filer

☐

Smaller reporting company

☐

Emerging growth company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ☐    No  x

Number of shares outstanding of the issuer's common stock, as of the latest practicable date: 50,507,732 shares as of October 31, 2026.

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WSFS FINANCIAL CORPORATION

FORM 10-Q

TABLE OF CONTENTS

 

			PART I. Financial Information			Page
Item 1.			Financial Statements (Unaudited)
			Consolidated Statements of Income for the Three and Nine Months Ended September 30, 2026 and 2025			5
			Consolidated Statements of Comprehensive Income (Loss) for the Three and Nine Months Ended September 30, 2026 and 2025			6
			Consolidated Statements of Financial Condition as of September 30, 2026 and December 31, 2025			7
			Consolidated Statements of Changes in Stockholders' Equity for the Three and Nine Months Ended September 30, 2026 and 2025			8
			Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2026 and 2025			10
			Notes to the Consolidated Financial Statements for the Three and Nine Months Ended September 30, 2026			12
Item 2.			Management’s Discussion and Analysis of Financial Condition and Results of Operations			56
Item 3.			Quantitative and Qualitative Disclosures About Market Risk			70
Item 4.			Controls and Procedures			70
PART II. Other Information
Item 1.			Legal Proceedings			70
Item 1A.			Risk Factors			70
Item 2.			Unregistered Sales of Equity Securities and Use of Proceeds			70
Item 3.			Defaults Upon Senior Securities			71
Item 4.			Mine Safety Disclosures			71
Item 5.			Other Information			71
Item 6.			Exhibits			71

2

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Table of Contents

FORWARD-LOOKING STATEMENTS

This Quarterly Report on Form 10-Q, and exhibits hereto, contains estimates, predictions, opinions, projections and other “forward-looking statements” as that phrase is defined in the Private Securities Litigation Reform Act of 1995. Such statements include, without limitation, references to the Company’s predictions or expectations of future business or financial performance as well as its goals and objectives for future operations, financial and business trends, business prospects and management’s outlook or expectations for earnings, revenues, expenses, capital levels, liquidity levels, asset quality or other future financial or business performance, strategies or expectations. The words “believe,” “expect,” “anticipate,” “plan,” “estimate,” “target,” “project” and similar expressions, among others, generally identify forward-looking statements. Such forward-looking statements are based on various assumptions (some of which may be beyond the Company’s control) and are subject to risks and uncertainties (which change over time) and other factors which could cause actual results to differ materially from those currently anticipated. Such risks and uncertainties include, but are not limited to:

•difficult market conditions and unfavorable economic trends in the United States generally and in financial markets, particularly in the markets in which the Company operates and in which its loans are concentrated, including difficult and unfavorable conditions and trends related to housing markets, costs of living, unemployment levels, interest rates, supply chain issues, inflation, and economic growth;

•possible additional loan losses and impairment of the collectability of loans;

•losses incurred as a result of external fraud;

•the Company’s level of nonperforming assets and the costs associated with resolving problem loans including litigation and other costs and complying with government-imposed foreclosure moratoriums;

•the credit risk associated with the substantial amount of commercial real estate, commercial and industrial, and construction and land development loans in the Company's loan portfolio;

•changes in market interest rates, which may increase funding costs and reduce earning asset yields and thus reduce margin;

•the impact of changes in interest rates and the credit quality and strength of underlying collateral and the effect of such changes on the market value of the Company’s investment securities portfolio, which could impact market confidence in our operations;

•the extensive federal and state regulation, supervision and examination governing almost every aspect of the Company’s operations, and potential expenses associated with complying with such regulations;

•the Company’s ability to comply with applicable capital and liquidity requirements, including its ability to generate liquidity internally or raise capital on favorable terms;

•the impacts related to or resulting from bank failures and other economic industry volatility, including potential increased regulatory requirements and costs and potential impacts to macroeconomic conditions;

•changes in trade, monetary and fiscal policies and stimulus programs, laws and regulations and other activities of governments, agencies, and similar organizations, and the uncertainty of the short- and long-term impacts of such changes;

•any impairments of the Company's goodwill, other intangible assets, or equity investments;

•the success of the Company's growth plans across our WSFS Bank, Cash Connect® and/or Wealth and Trust segments;

•the Company’s ability to successfully integrate and fully realize the cost savings and other benefits of its acquisitions, manage risks related to business disruption following those acquisitions, and post-acquisition Client acceptance of the Company’s products and services and related Client disintermediation;

•negative perceptions or publicity with respect to the Company generally and, in particular, the Company’s Wealth and Trust business;

•failure of the financial and/or operational controls of the Company’s Cash Connect® and/or Wealth and Trust segments;

•adverse judgments or other resolution of pending and future legal proceedings, and costs incurred in defending such proceedings;

•the Company's reliance on third parties for certain important functions, including the operation of its core systems, and any failures by such third parties;

•system failures or cybersecurity incidents or other breaches of the Company’s network security, particularly given remote working arrangements;

•any actual or perceived failure or deficiency in the use of artificial intelligence by the Company or third-party vendors or service providers;

•the Company’s ability to recruit and retain key Associates;

3

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Table of Contents

•the effects of weather, including climate change, and natural disasters such as floods, droughts, wind, tornadoes, wildfires and hurricanes as well as effects from geopolitical instability, armed conflicts, public health crises and man-made disasters including terrorist attacks;

•the effects of regional or national civil unrest (including any resulting branch or ATM closures or damage);

•possible changes in the speed of loan prepayments by the Company’s Clients and loan origination or sales volumes;

•possible changes in market valuations and/or the speed of prepayments of mortgage-backed securities (MBS) due to changes in the interest rate environment and the related acceleration of premium amortization on prepayments in the event that prepayments accelerate;

•regulatory limits on the Company’s ability to receive dividends from its subsidiaries and pay dividends to its stockholders;

•any reputation, credit, interest rate, market, operational, litigation, legal, liquidity, regulatory and compliance risk resulting from developments related to any of the risks discussed above;

•any compounding effects or unexpected interactions of the risks discussed above; and

•other risks and uncertainties, including those discussed in the Company's Annual Report on Form 10-K for the year ended December 31, 2025 under the heading “Risk Factors” and in other documents filed by the Company with the Securities and Exchange Commission (SEC) from time to time.

The Company cautions readers not to place undue reliance on any such forward-looking statements, which speak only as of the date they are made. The Company disclaims any duty to revise or update any forward-looking statement, whether written or oral, that may be made from time to time by or on behalf of the Company for any reason, except as specifically required by law.

As used in this Quarterly Report on Form 10-Q, the terms “WSFS”, “the Company”, “registrant”, “we”, “us”, and “our” mean WSFS Financial Corporation and its subsidiaries, on a consolidated basis, unless the context indicates otherwise.

The following are registered trademarks of the Company: Bryn Mawr Trust®, Cash Connect®, NewLane Finance®, WSFS Wealth® Management, WSFS Institutional Services®, and WSFS Mortgage®. Any other trademarks appearing in this Quarterly Report on Form 10-Q are the property of their respective holders.

4

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Table of Contents

WSFS FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

						Three Months Ended September 30,												Nine Months Ended September 30,
(Dollars in thousands, except per share and share data)						2026						2025						2026						2025
Interest income:
Interest and fees on loans and leases						$	213,684					$	218,250					$	627,133					$	651,007
Interest on mortgage-backed securities						30,392						24,202						83,609						73,478
Interest and dividends on investment securities:
Taxable						699						699						2,098						2,098
Tax-exempt						1,438						1,481						4,367						4,454
Other interest income						17,692						13,789						52,743						31,452
						263,905						258,421						769,950						762,489
Interest expense:
Interest on deposits						62,630						71,185						181,821						212,413
Interest on Federal Home Loan Bank advances						495						586						1,425						2,473
Interest on senior debt						2,775						1,089						8,306						4,252
Interest on federal funds purchased						1						2						1						2
Interest on trust preferred borrowings						1,390						1,524						4,115						4,565
Interest on other borrowings						20						12						52						50
						67,311						74,398						195,720						223,755
Net interest income						196,594						184,023						574,230						538,734
Provision for credit losses						8,393						6,566						11,439						36,537
Net interest income after provision for credit losses						188,201						177,457						562,791						502,197
Noninterest income:
Credit/debit card and ATM income						14,819						18,487						45,505						55,539
Investment management and fiduciary income						53,928						41,272						154,515						124,327
Deposit service charges						7,251						7,001						21,169						20,556
Mortgage banking activities, net						971						2,091						4,655						6,232
Loan and lease fee income						1,904						2,089						5,524						4,984
Unrealized loss on equity investments, net						—						—						(4,134)						—
Realized gain on sale of equity investments, net						146						939						305						957
Other income						11,959						14,592						43,522						42,782
						90,978						86,471						271,061						255,377
Noninterest expense:
Salaries, benefits and other compensation						93,817						91,661						281,471						263,283
Occupancy expense						9,380						8,498						27,828						27,220
Equipment expense						14,648						12,933						41,581						39,439
Data processing and operations expenses						4,977						5,045						15,234						14,750
Professional fees						3,572						4,942						12,442						15,851
Marketing expense						2,528						2,178						7,230						5,798
Loss on debt extinguishment						—						352						—						352
FDIC expenses						2,539						2,739						7,696						7,750
Loan workout and other credit costs						3,150						1,802						7,411						3,671
Corporate development expense						62						171						182						(99)
Restructuring expense						24						398						2,820						658
Other operating expense						26,862						32,337						86,729						95,521
						161,559						163,056						490,624						474,194
Income before taxes						117,620						100,872						343,228						283,380
Income tax provision						28,309						24,405						82,743						68,825
Net income						$	89,311					$	76,467					$	260,485					$	214,555
Less: Net income (loss) attributable to noncontrolling interest						15						18						(36)						(116)
Net income attributable to WSFS						$	89,296					$	76,449					$	260,521					$	214,671
Earnings per share:
Basic						$	1.75					$	1.37					$	5.02					$	3.77
Diluted						$	1.75					$	1.37					$	5.01					$	3.75
Weighted average shares of common stock outstanding:
Basic						50,946,352						55,804,955						51,856,693						56,976,693
Diluted						51,100,141						55,960,833						52,010,835						57,171,976

The accompanying notes are an integral part of these unaudited Consolidated Financial Statements.

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WSFS FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)

(Unaudited)

 

						Three Months Ended September 30,												Nine Months Ended September 30,
(Dollars in thousands)						2026						2025						2026						2025
Net income						$	89,311					$	76,467					$	260,485					$	214,555
Less: Net income (loss) attributable to noncontrolling interest						15						18						(36)						(116)
Net income attributable to WSFS						89,296						76,449						260,521						214,671
Other comprehensive income (loss):
Net change in unrealized (losses) gains on investment securities available-for-sale
Net unrealized (losses) gains arising during the period, net of tax (benefit) expense of $(39,346), $14,019, $(44,834), and $43,301, respectively						(124,595)						44,395						(141,975)						137,120
Net change in securities held-to-maturity
Amortization of net unrealized losses on available-for-sale securities reclassified to held-to-maturity, net of tax expense of $957, $1,063, $2,779, and $3,103, respectively						3,028						3,370						8,799						9,825
Net change in unfunded post-retirement liability
Change in unfunded post-retirement liability related to unrealized gain and prior service cost, net of tax benefit of $27, $20, $237, and $58, respectively						(87)						(62)						(750)						(184)
Net change in cash flow hedge
Net unrealized (loss) gain arising during the period, net of tax (benefit) expense of $(3,025), $(68), $(5,656), and $1,295, respectively						(9,579)						(215)						(17,912)						4,100
Net change in equity method investments
Net change in other comprehensive loss of equity method investments, net of tax benefit of $3, $7, $26, and $213, respectively						(9)						(21)						(81)						(673)
Total other comprehensive (loss) income						(131,242)						47,467						(151,919)						150,188
Total comprehensive (loss) income						$	(41,946)					$	123,916					$	108,602					$	364,859

The accompanying notes are an integral part of these unaudited Consolidated Financial Statements.

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WSFS FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(Unaudited)

(Dollars in thousands, except per share and share data)						September 30, 2026						December 31, 2025
Assets:
Cash and due from banks						$	1,926,787					$	1,690,265
Interest-bearing deposits in other banks including collateral (restricted cash) of $1,100 at September 30, 2026 and $6,530 at December 31, 2025						3,470						8,889
Total cash, cash equivalents, and restricted cash						1,930,257						1,699,154
Investment securities, available-for-sale (amortized cost of $4,373,381 at September 30, 2026 and $4,037,700 at December 31, 2025)						3,691,117						3,542,246
Investment securities, held-to-maturity, net of allowance for credit losses of $5 at September 30, 2026 and December 31, 2025 (fair value $770,479 at September 30, 2026 and $879,066 at December 31, 2025)						925,722						968,331
Other investments						8,595						13,441
Loans, held for sale at fair value						21,386						61,573
Loans and leases, net of allowance for credit losses of $185,238 at September 30, 2026 and $179,647 at December 31, 2025						13,457,002						13,082,027
Stock in Federal Home Loan Bank (FHLB) of Pittsburgh at cost						10,488						10,194
Other real estate owned						11,846						200
Accrued interest receivable						81,171						80,285
Premises and equipment						77,875						80,320
Goodwill and intangible assets						958,111						969,903
Other assets, net of allowance for credit losses of $2,639 at September 30, 2026 and $2,848 at December 31, 2025						938,189						806,402
Total assets						$	22,111,759					$	21,314,076
Liabilities and Stockholders’ Equity
Liabilities:
Deposits:
Noninterest-bearing						$	6,057,908					$	5,576,598
Interest-bearing						12,326,178						12,065,890
Total deposits						18,384,086						17,642,488
Trust preferred borrowings						91,177						91,047
Senior debt						197,010						196,891
Other borrowed funds						16,182						14,744
Accrued interest payable						20,216						19,646
Other liabilities						800,754						621,185
Total liabilities						19,509,425						18,586,001
Stockholders’ Equity:
Common stock $0.01 par value, 90,000,000 shares authorized; issued 76,699,090 at September 30, 2026 and 76,456,499 at December 31, 2025						767						765
Capital in excess of par value						2,013,995						2,005,747
Accumulated other comprehensive loss						(597,466)						(445,547)
Retained earnings						2,352,598						2,121,706
Treasury stock at cost, 26,039,527 shares at September 30, 2026 and 23,046,983 shares at December 31, 2025						(1,156,851)						(944,126)
Total stockholders’ equity of WSFS						2,613,043						2,738,545
Noncontrolling interest						(10,709)						(10,470)
Total stockholders' equity						2,602,334						2,728,075
Total liabilities and stockholders' equity						$	22,111,759					$	21,314,076

The accompanying notes are an integral part of these unaudited Consolidated Financial Statements.

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WSFS FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY

(Unaudited)

						Three Months Ended September 30, 2026
(Dollars in thousands, except per share and share amounts)						Shares						Common Stock						Capital in Excess of Par Value						Accumulated Other Comprehensive Loss						Retained Earnings						Treasury Stock						Total Stockholders' Equity of WSFS						Non-controlling Interest						Total Stockholders' Equity
Balance, June 30, 2026						76,678,219						$	767					$	2,010,400					$	(466,224)					$	2,273,507					$	(1,096,652)					$	2,721,798					$	(10,724)					$	2,711,074
Net income						—						—						—						—						89,296						—						89,296						15						89,311
Other comprehensive loss						—						—						—						(131,242)						—						—						(131,242)						—						(131,242)
Cash dividend, $0.20 per share						—						—						—						—						(10,205)						—						(10,205)						—						(10,205)
Issuance of common stock including proceeds from exercise of common stock options (1)						20,871						—						225						—						—						—						225						—						225
Stock-based compensation expense						—						—						3,370						—						—						—						3,370						—						3,370
Repurchases of common stock (2)						—						—						—						—						—						(60,199)						(60,199)						—						(60,199)
Balance, September 30, 2026						76,699,090						$	767					$	2,013,995					$	(597,466)					$	2,352,598					$	(1,156,851)					$	2,613,043					$	(10,709)					$	2,602,334
						Nine Months Ended September 30, 2026
(Dollars in thousands, except per share and share amounts)						Shares						Common Stock						Capital in Excess of Par Value						Accumulated Other Comprehensive Loss						Retained Earnings						Treasury Stock						Total Stockholders' Equity of WSFS						Non-controlling Interest						Total Stockholders' Equity
Balance, December 31, 2025						76,456,499						$	765					$	2,005,747					$	(445,547)					$	2,121,706					$	(944,126)					$	2,738,545					$	(10,470)					$	2,728,075
Net income (loss)						—						—						—						—						260,521						—						260,521						(36)						260,485
Other comprehensive loss						—						—						—						(151,919)						—						—						(151,919)						—						(151,919)
Cash dividend, $0.57 per share						—						—						—						—						(29,629)						—						(29,629)						—						(29,629)
Repurchase of noncontrolling interest						—						—						—						—						—						—						—						(203)						(203)
Issuance of common stock including proceeds from exercise of common stock options (3)						242,591						2						(2,229)						—						—						—						(2,227)						—						(2,227)
Stock-based compensation expense						—						—						10,477						—						—						—						10,477						—						10,477
Repurchases of common stock (4)						—						—						—						—						—						(212,725)						(212,725)						—						(212,725)
Balance, September 30, 2026						76,699,090						$	767					$	2,013,995					$	(597,466)					$	2,352,598					$	(1,156,851)					$	2,613,043					$	(10,709)					$	2,602,334

(1)Issuance of common stock includes 7,496 shares withheld to cover tax liabilities and option exercise costs.

(2)Repurchases of common stock include 748,970 shares repurchased in connection with the Company's share repurchase plan approved by the Board of Directors.

(3)Issuance of common stock includes 112,758 shares withheld to cover tax liabilities and option exercise costs.

(4)Repurchases of common stock include 2,992,544 shares repurchased in connection with the Company's share repurchase plan approved by the Board of Directors.

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						Three Months Ended September 30, 2025
(Dollars in thousands, except per share and share amounts)						Shares						Common Stock						Capital in Excess of Par Value						Accumulated Other Comprehensive Loss						Retained Earnings						Treasury Stock						Total Stockholders' Equity of WSFS						Non-controlling Interest						Total Stockholders' Equity
Balance, June 30, 2025						76,425,414						$	764					$	1,999,338					$	(522,156)					$	1,991,330					$	(786,548)					$	2,682,728					$	(10,510)					$	2,672,218
Net income						—						—						—						—						76,449						—						76,449						18						76,467
Other comprehensive income						—						—						—						47,467						—						—						47,467						—						47,467
Cash dividend, $0.17 per share						—						—						—						—						(9,496)						—						(9,496)						—						(9,496)
Issuance of common stock including proceeds from exercise of common stock options (1)						19,543						—						228						—						—						—						228						—						228
Stock-based compensation expense						—						—						3,115						—						—						—						3,115						—						3,115
Repurchases of common stock (2)						—						—						—						—						—						(47,218)						(47,218)						—						(47,218)
Balance, September 30, 2025						76,444,957						$	764					$	2,002,681					$	(474,689)					$	2,058,283					$	(833,766)					$	2,753,273					$	(10,492)					$	2,742,781
						Nine Months Ended September 30, 2025
(Dollars in thousands, except per share and share amounts)						Shares						Common Stock						Capital in Excess of Par Value						Accumulated Other Comprehensive Loss						Retained Earnings						Treasury Stock						Total Stockholders' Equity of WSFS						Non-controlling Interest						Total Stockholders' Equity
Balance, December 31, 2024						76,264,211						$	763					$	1,996,191					$	(624,877)					$	1,871,523					$	(653,848)					$	2,589,752					$	(10,376)					$	2,579,376
Net income (loss)						—						—						—						—						214,671						—						214,671						(116)						214,555
Other comprehensive income						—						—						—						150,188						—						—						150,188						—						150,188
Cash dividend, $0.49 per share						—						—						—						—						(27,911)						—						(27,911)						—						(27,911)
Issuance of common stock including proceeds from exercise of common stock options (3)						180,746						1						(2,952)						—						—						—						(2,951)						—						(2,951)
Stock-based compensation expense						—						—						9,442						—						—						—						9,442						—						9,442
Repurchases of common stock (4)						—						—						—						—						—						(179,918)						(179,918)						—						(179,918)
Balance, September 30, 2025						76,444,957						$	764					$	2,002,681					$	(474,689)					$	2,058,283					$	(833,766)					$	2,753,273					$	(10,492)					$	2,742,781

(1)Issuance of common stock includes 6,701 shares withheld to cover tax liabilities.

(2)Repurchases of common stock include 827,100 shares repurchased in connection with the Company's share repurchase plan approved by the Board of Directors.

(3)Issuance of common stock includes 89,919 shares withheld to cover tax liabilities.

(4)Repurchases of common stock include 3,410,513 shares repurchased in connection with the Company's share repurchase plan approved by the Board of Directors.

The accompanying notes are an integral part of these unaudited Consolidated Financial Statements.

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WSFS FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)

 

						Nine Months Ended September 30,
(Dollars in thousands)						2026						2025
Operating activities:
Net income						$	260,485					$	214,555
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses						11,439						36,537
Depreciation of premises and equipment, net						12,272						8,916
Accretion of fees and discounts, net						(20,230)						(19,259)
Amortization of intangible assets						10,946						11,571
Amortization of right-of-use lease assets						6,711						6,664
Decrease in operating lease liability						(8,660)						(8,096)
Income from mortgage banking activities, net						(4,655)						(6,232)
Loss on sale of other real estate owned and valuation adjustments, net						1,999						887
Stock-based compensation expense						10,477						9,442
Unrealized loss on equity investments, net						4,134						—
Realized gain on sale of equity investments, net						(305)						(957)
Gain on sale of credit card portfolio						(1,606)						—
Gain on sale of WSFS Wealth Management, LLC business						—						(386)
Deferred income tax benefit						1,411						11,537
(Increase) decrease in accrued interest receivable						(886)						5,159
(Increase) decrease in other assets						(101,924)						72,546
Origination of loans held for sale						(312,814)						(346,048)
Proceeds from sales of loans held for sale						185,424						369,741
Increase in value of bank owned life insurance						(1,579)						(407)
Increase in capitalized interest, net						(794)						(1,681)
Increase (decrease) in accrued interest payable						570						(12,431)
Increase (decrease) in other liabilities						191,823						(184,604)
Net cash provided by operating activities						$	244,238					$	167,454
Investing activities:
Repayments, maturities and calls of investment securities held-to-maturity						52,918						47,055
Purchases of investment securities available-for-sale						(694,240)						(100,351)
Repayments, maturities and calls of investment securities available-for-sale						359,734						286,976
Proceeds from bank-owned life insurance death benefit						108						241
Net (increase) decrease in loans						(254,343)						166,963
Proceeds from sale of credit card portfolio						34,349						—
Net cash from sale of WSFS Wealth Management, LLC business						—						2,425
Purchases of stock of Federal Home Loan Bank of Pittsburgh						(552,020)						(366,045)
Redemptions of stock of Federal Home Loan Bank of Pittsburgh						551,726						357,701
Sales of other real estate owned						216						4,725
Investment in premises and equipment						(9,827)						(5,639)
Net cash (used in) provided by investing activities						$	(511,379)					$	394,051

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						Nine Months Ended September 30,
(Dollars in thousands)						2026						2025
Financing activities:
Net increase in demand and saving deposits						$	852,962					$	240,482
Decrease in time deposits						(109,934)						(51,885)
Receipts from FHLB advances						13,100,000						9,200,000
Repayments of FHLB advances						(13,100,000)						(9,251,040)
Repurchase of noncontrolling interest						(203)						—
Cash dividend						(29,629)						(27,911)
Issuance of common stock including proceeds from exercise of common stock options						(2,227)						(2,951)
Redemption of subordinated debt						—						(70,000)
Repurchases of common stock						(212,725)						(179,918)
Net cash provided by (used in) financing activities						$	498,244					$	(143,223)
Increase in cash, cash equivalents, and restricted cash						231,103						418,282
Cash, cash equivalents, and restricted cash at beginning of period						1,699,154						1,154,818
Cash, cash equivalents, and restricted cash at end of period						$	1,930,257					$	1,573,100
Supplemental disclosure of cash flow information:
Cash paid during the period for:
Interest						$	195,150					$	236,186
Income taxes(1)						55,591						50,227
Non-cash information:
Loans transferred to other real estate owned						$	13,894					$	485
Loans transferred to portfolio from held for sale at fair value						167,772						(32,854)

(1)Includes $18.4 million and $11.4 million related to the purchase of renewable energy tax credits for the nine months ended September 30, 2026 and September 30, 2025, respectively.

The accompanying notes are an integral part of these unaudited Consolidated Financial Statements.

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WSFS FINANCIAL CORPORATION

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

FOR THE THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2026

(UNAUDITED)

1. BASIS OF PRESENTATION AND SIGNIFICANT ACCOUNTING POLICIES

Basis of Presentation

These unaudited Consolidated Financial Statements include the accounts of WSFS Financial Corporation (WSFS, and together with its subsidiaries, the Company) and its consolidated subsidiaries. WSFS’ primary subsidiary is Wilmington Savings Fund Society, FSB (WSFS Bank or the Bank). The Company's accounting and reporting policies conform to Generally Accepted Accounting Principles in the U.S. (GAAP), prevailing practices within the banking industry for interim financial information and Rule 10-01 of SEC Regulation S-X (Rule 10-01). Rule 10-01 does not require us to include all information and notes that would be required in audited financial statements. Operating results for the periods presented are not necessarily indicative of the results that may be expected for any future quarters or for the year ending December 31, 2026. These unaudited, interim Consolidated Financial Statements should be read in conjunction with the audited Consolidated Financial Statements and related notes included in the Annual Report on Form 10-K for the year ended December 31, 2025 (the 2025 Annual Report on Form 10-K) that was filed with the SEC on March 2, 2026 and is available at www.sec.gov or on the website at www.wsfsbank.com. All significant intercompany accounts and transactions were eliminated in consolidation.

In preparing the unaudited Consolidated Financial Statements, the Company is required to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenue and expenses. Amounts subject to significant estimates include the allowance for credit losses (including loans and leases held for investment, investment securities available-for-sale and held-to-maturity, as well as accounts receivable for fee businesses), loans held for sale, lending-related commitments, goodwill, intangible assets, post-retirement benefit obligations, the fair value of financial instruments, and income taxes. Among other effects, changes to these estimates could result in future impairments of investment securities, goodwill and/or intangible assets, the establishment of additional allowance and lending-related commitment reserves, changes in the fair value of financial instruments, as well as increased post-retirement benefit and income tax expense.

Significant Accounting Policies

The significant accounting policies used in preparation of the Consolidated Financial Statements are disclosed in the Company's 2025 Annual Report on Form 10-K. Those significant accounting policies remain unchanged at September 30, 2026.

Recently Adopted Accounting Guidance

There were no applicable material accounting pronouncements adopted by the Company since December 31, 2025.

Accounting Guidance Pending Adoption as of September 30, 2026

ASU No. 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses (ASU 2024-03): In November 2024, the FASB issued ASU 2024-03, which requires entities to disclose disaggregated information about certain income statement expense line items in the notes to their financial statements on an annual and interim basis. Subsequently, in January 2025, the FASB issued ASU 2025-01—Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Clarifying the Effective Date, making ASU 2024-03 effective for fiscal years beginning after December 15, 2026, and interim periods within annual reporting periods beginning after December 15, 2027, on a retrospective or prospective basis, with early adoption permitted. The Company is currently evaluating this update to determine the impact on the Company’s disclosures.

ASU No. 2025-06, Intangibles – Goodwill and Other – Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software (ASU 2025-06): In September 2025, the FASB issued ASU 2025-06, which clarifies the capitalization threshold on costs to develop software for internal use. This update removes the prescriptive and sequential software development stages (referred to as “project stages”) and requires entities to start capitalizing software costs when (i) management has authorized and committed to funding the software project, and (ii) it is probable that the project will be completed and the software will be used to perform the function intended (referred to as the “probable-to-complete recognition threshold”). The amendments are effective for annual reporting periods beginning after December 15, 2027, and interim reporting periods within those annual reporting periods on a prospective, modified transition, or a retrospective basis. Early adoption is permitted as of the beginning of an annual reporting period. The Company is currently evaluating this update to determine its impact on the Consolidated Financial Statements.

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ASU No. 2025-08, Financial Instruments – Credit Losses (Topic 326): Purchased Loans (ASU 2025-08): In November 2025, the FASB issued ASU 2025-08 which aligns the initial recognition of the allowance for credit losses on financial assets acquired with a “more-than-insignificant” deterioration of credit quality since its origination (PCD assets) and non-PCD assets by applying the “gross up approach” to both populations. The amendments are effective for fiscal years beginning after December 15, 2026, and interim periods therein on a prospective basis. Early adoption is permitted. The Company will adopt this update for the year ending December 31, 2027 and does not expect it to have a material impact on the Consolidated Financial Statements.

ASU No. 2025-09, Derivatives and Hedging (Topic 815): Hedge Accounting Improvements (ASU 2025-09): In November 2025, the FASB issued ASU 2025-09 to clarify certain aspects on hedge accounting to align with the economics of an entity's risk management activities more closely. The update allows entities to group forecasted transactions with similar risk exposures. Entities may either determine whether a hedged risk related to a forecasted transaction within a hedged group is similar to other hedged risks in the group or determine if the designated hedging instrument is highly effective against each risk in the group. The amendments are effective for fiscal years beginning after December 15, 2026, and interim periods therein on a prospective basis. Early adoption is permitted. The Company does not expect this update to have a material impact on its disclosures.

ASU No. 2025-11, Interim Reporting (Topic 270): Narrow-Scope Improvements (ASU 2025-11): In December 2025, the FASB issued ASU 2025-11 which clarifies the current requirements of interim financial statements, including its form and content, and includes a disclosure principle that requires entities to disclose events since the last annual reporting period that have a material impact on the entity. The amendments are effective for interim periods within annual reporting periods beginning after December 15, 2027, on a prospective or a retrospective basis. Early adoption is permitted. The Company does not expect this update to have a material impact on its disclosures.

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2. NONINTEREST INCOME

Credit/debit card and ATM income

The following table presents the components of credit/debit card and ATM income:

			Three Months Ended September 30,												Nine Months Ended September 30,
(Dollars in thousands)			2026						2025						2026						2025
Bailment fees			$	10,311					$	13,609					$	31,850					$	41,065
Interchange fees			3,088						4,038						10,769						11,862
Other card and ATM fees			1,420						840						2,886						2,612
Total credit/debit card and ATM income			$	14,819					$	18,487					$	45,505					$	55,539

Credit/debit card and ATM income is composed of bailment fees, interchange fees, and other card and ATM fees. Bailment fees are earned from bailment arrangements with Clients. Bailment arrangements are legal relationships in which property is delivered to another party without a transfer of ownership. The party who transferred the property (the bailor) retains ownership interest of the property. In the event that the bailee files for bankruptcy protection, the property is not included in the bailee's assets. The bailee pays an agreed-upon fee for the use of the bailor's property in exchange for the bailor allowing use of the assets at the bailee's site. Bailment fees are earned from cash that is made available for Clients' use at an offsite location, such as cash located in an ATM at a client's place of business. These fees are typically indexed to a market interest rate. This revenue stream generates fee income through monthly billing for bailment services.

Credit/debit card and ATM income also includes interchange fees. Interchange fees are paid by a merchant's bank to a bank that issued a debit or credit card used in a transaction to compensate the issuing bank for the value and benefit the merchant receives from accepting electronic payments. These revenue streams generate fee income at the time a transaction occurs and are recorded as revenue at the time of the transaction. Subsequent to the Company's sale of its credit card portfolio in June 2026, the Company earns a portion of the interchange fees received by the issuing bank of WSFS-branded credit cards.

Investment management and fiduciary income

The following table presents the components of investment management and fiduciary income:

			Three Months Ended September 30,												Nine Months Ended September 30,
(Dollars in thousands)			2026						2025						2026						2025
WSFS Institutional Services®			$	28,440					$	19,595					$	80,313					$	56,715
Private Wealth Management			15,783						13,746						45,932						44,655
The Bryn Mawr Trust Company of Delaware			9,705						7,931						28,270						22,957
Total investment management and fiduciary income			$	53,928					$	41,272					$	154,515					$	124,327

Investment management and fiduciary income is composed of fees from WSFS Institutional Services®, The Bryn Mawr Trust Company of Delaware (BMT-DE), and Private Wealth Management. WSFS Institutional Services® provides trustee, agency, bankruptcy administration, custodial and commercial domicile services to institutional, corporate Clients and special purpose vehicles.

Private Wealth Management fees consist of fees from Bryn Mawr Trust® and Bryn Mawr Trust Advisors, LLC. It also included WSFS Wealth® Management, LLC (family office) and WSFS Wealth® Investments through June 30, 2025. Private Wealth Management fees are based on revenue earned from services including asset management, financial planning, and brokerage. The fees are based on the market value of assets, a flat fee, or brokerage commissions. This revenue stream primarily generates fee income through monthly, quarterly and annual billings for the services.

BMT-DE provides personal trust and fiduciary services to families and individuals across the U.S. and internationally. Most fees are flat fees, except for a portion of personal and corporate trustee fees where the Company earns a percentage on the assets under management or assets held within a trust. This revenue stream primarily generates fee income through monthly, quarterly and annual billings for services provided.

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Deposit service charges

The following table presents the components of deposit service charges:

			Three Months Ended September 30,												Nine Months Ended September 30,
(Dollars in thousands)			2026						2025						2026						2025
Service fees			$	4,828					$	4,682					$	14,205					$	13,930
Return and overdraft fees			2,164						2,026						6,116						5,721
Other deposit service fees			259						293						848						905
Total deposit service charges			$	7,251					$	7,001					$	21,169					$	20,556

Deposit service charges includes revenue earned from core deposit products, certificates of deposit, and brokered deposits. The Company generates fee revenues from deposit service charges primarily through service charges and overdraft fees. Service charges consist primarily of monthly account maintenance fees, treasury management fees, foreign ATM fees and other maintenance fees. All of these revenue streams generate fee income through service charges for monthly account maintenance and similar items, transfer fees, late fees, overlimit fees, and stop payment fees. Revenue is recorded at the time of the transaction.

Other income

The following table presents the components of other income:

			Three Months Ended September 30,												Nine Months Ended September 30,
(Dollars in thousands)			2026						2025						2026						2025
Managed service fees			$	5,119					$	4,914					$	15,381					$	14,796
Currency preparation			1,616						1,691						4,831						5,152
ATM loss protection			661						659						1,972						1,963
Capital markets revenue			1,998						3,017						7,636						6,610
Miscellaneous products and services			2,565						4,311						13,702						14,261
Total other income			$	11,959					$	14,592					$	43,522					$	42,782

Other income consists of managed service fees, which are primarily courier fees related to cash management, currency preparation, ATM loss protection, Capital Markets revenue, and other miscellaneous products and services offered by the Bank. These fees are primarily generated through monthly billings or at the time of the transaction. Capital Markets revenue consists of fees related to interest rate swaps, risk participation agreements, foreign exchange contracts, letters of credit, and trade finance products and services offered by the Bank.

Arrangements with multiple performance obligations

The Company's contracts with Clients may include multiple performance obligations. For such arrangements, the Company allocates revenue to each performance obligation based on its relative standalone selling price. The Company generally determines standalone selling prices based on the prices charged to Clients.

Practical expedients and exemptions

The Company does not disclose the value of unsatisfied performance obligations for (i) contracts with an original expected length of one year or less and (ii) contracts for which the Company recognizes revenue at the amount to which it has the right to invoice for services performed.

See Note 13 for further information about the disaggregation of noninterest income by segment.

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3. EARNINGS PER SHARE

The following table shows the computation of basic and diluted earnings per share:

			Three Months Ended September 30,												Nine Months Ended September 30,
(Dollars and shares in thousands, except per share data)			2026						2025						2026						2025
Numerator:
Net income attributable to WSFS			$	89,296					$	76,449					$	260,521					$	214,671
Denominator:
Weighted average basic shares			50,946						55,805						51,857						56,977
Dilutive potential common shares			154						156						154						195
Weighted average fully diluted shares			51,100						55,961						52,011						57,172
Earnings per share:
Basic			$	1.75					$	1.37					$	5.02					$	3.77
Diluted			$	1.75					$	1.37					$	5.01					$	3.75
Outstanding common stock equivalents having no dilutive effect			—						—						—						1

Basic earnings per share is calculated by dividing Net income attributable to WSFS by the weighted-average basic shares outstanding. Diluted earnings per share is calculated by dividing Net income attributable to WSFS by the weighted-average fully diluted shares outstanding, using the treasury stock method. Fully diluted shares include the adjustment for the dilutive effect of common stock awards, which include outstanding stock options and unvested restricted stock units and performance stock units under the 2018 Incentive Plan.

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4. INVESTMENT SECURITIES

Debt Securities

The following tables detail the amortized cost, allowance for credit losses and the estimated fair value of the Company's investments in available-for-sale and held-to-maturity debt securities. None of the Company's investments in debt securities are classified as trading.

						September 30, 2026
(Dollars in thousands)						Amortized Cost						Gross Unrealized  Gain						Gross Unrealized  Loss						Allowance for Credit Losses						Fair Value
Available-for-Sale Debt Securities
Collateralized mortgage obligations (CMO)						$	468,498					$	—					$	86,683					$	—					$	381,815
Fannie Mae (FNMA) mortgage-backed securities (MBS)						3,442,307						1						533,641						—						2,908,667
Freddie Mac (FHLMC) MBS						155,550						—						14,028						—						141,522
Ginnie Mae (GNMA) MBS						88,656						—						7,525						—						81,131
Government-sponsored enterprises (GSE) agency notes						218,370						—						40,388						—						177,982
						$	4,373,381					$	1					$	682,265					$	—					$	3,691,117
Held-to-Maturity Debt Securities(1)
FNMA MBS						$	752,574					$	—					$	144,015					$	—					$	608,559
State and political subdivisions						173,153						—						11,228						5						161,920
						$	925,727					$	—					$	155,243					$	5					$	770,479

(1)Held-to-maturity securities transferred from available-for-sale are included in held-to-maturity at fair value basis at the time of transfer. The amortized cost of transferred held-to-maturity securities included net unrealized losses of $71.9 million at September 30, 2026, which are offset in Accumulated other comprehensive loss. At the time of transfer, there was no allowance for credit loss on the available-for-sale securities. Subsequent to transfer, the securities were evaluated for credit loss.

						December 31, 2025
(Dollars in thousands)						Amortized Cost						Gross Unrealized  Gain						Gross Unrealized  Loss						Allowance for Credit Losses						Fair Value
Available-for-Sale Debt Securities
CMO						$	476,409					$	416					$	71,679					$	—					$	405,146
FNMA MBS						3,167,210						2,289						384,092						—						2,785,407
FHLMC MBS						123,979						68						7,542						—						116,505
GNMA MBS						49,804						59						2,480						—						47,383
GSE agency notes						220,298						—						32,493						—						187,805
						$	4,037,700					$	2,832					$	498,286					$	—					$	3,542,246
Held-to-Maturity Debt Securities(1)
FNMA MBS						$	788,439					$	—					$	89,936					$	—					$	698,503
State and political subdivisions						179,897						1,157						486						5						180,563
						$	968,336					$	1,157					$	90,422					$	5					$	879,066

(1)Held-to-maturity securities transferred from available-for-sale are included in held-to-maturity at fair value at the time of transfer. The amortized cost of transferred held-to-maturity securities included net unrealized losses of $83.4 million at December 31, 2025, which are offset in Accumulated other comprehensive loss. At the time of transfer, there was no allowance for credit loss on the available-for-sale securities. Subsequent to transfer, the securities were evaluated for credit loss.

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The scheduled maturities of available-for-sale debt securities at September 30, 2026 and December 31, 2025 are presented in the table below:

						Available-for-Sale
						Amortized						Fair
(Dollars in thousands)						Cost						Value
September 30, 2026 (1)
Within one year						$	93,132					$	92,369
After one year but within five years						343,295						319,066
After five years but within ten years						611,063						525,963
After ten years						3,325,891						2,753,719
						$	4,373,381					$	3,691,117
December 31, 2025 (1)
Within one year						$	46,226					$	45,836
After one year but within five years						219,281						208,380
After five years but within ten years						471,231						422,496
After ten years						3,300,962						2,865,534
						$	4,037,700					$	3,542,246

(1)Actual maturities could differ from contractual maturities.

As of September 30, 2026, the Company’s available-for-sale investment securities consisted of 1,082 securities, 1,081 of which were in an unrealized loss position, and substantially all of the Company's available-for-sale investment securities were mortgage-backed securities or collateralized mortgage obligations which were issued or guaranteed by U.S. government-sponsored entities and agencies. As of September 30, 2026 and December 31, 2025, there were no holdings of securities of any one issuer, other than the U.S. government and its agencies, in an amount greater than 10% of shareholders’ equity.

The scheduled maturities of held-to-maturity debt securities at September 30, 2026 and December 31, 2025 are presented in the table below:

						Held-to-Maturity
						Amortized						Fair
(Dollars in thousands)						Cost						Value
September 30, 2026 (1)
Within one year						$	3,475					$	3,440
After one year but within five years						20,046						19,379
After five years but within ten years						79,989						75,245
After ten years						822,217						672,415
						$	925,727					$	770,479
December 31, 2025 (1)
Within one year						$	1,920					$	1,918
After one year but within five years						21,180						21,166
After five years but within ten years						69,374						69,851
After ten years						875,862						786,131
						$	968,336					$	879,066

(1)Actual maturities could differ from contractual maturities.

MBS may have expected maturities that differ from their contractual maturities. These differences arise because issuers may have the right to call securities and borrowers may have the right to prepay obligations with or without prepayment penalty.

The held-to-maturity debt securities are not collateral-dependent securities as these are general obligation bonds issued by cities, states, counties, or other local governments, and government-sponsored MBS.

Investment securities with fair market values aggregating $3.8 billion and $4.1 billion were pledged as collateral for investment sweep repurchase agreements, municipal deposits, and other obligations as of September 30, 2026 and December 31, 2025, respectively.

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During the nine months ended September 30, 2026 and 2025, the Company had no sales of debt securities categorized as available-for-sale.

As of September 30, 2026 and December 31, 2025, the Company's debt securities portfolio had remaining unamortized premiums of $34.7 million and $40.4 million, respectively, and unaccreted discounts of $39.0 million and $17.4 million, respectively.

For debt securities in an unrealized loss position, the table below shows the gross unrealized losses and fair value by investment category and length of time that individual debt securities were in a continuous unrealized loss position at September 30, 2026.

						Duration of Unrealized Loss Position
						Less than 12 months												12 months or longer												Total
						Fair						Unrealized						Fair						Unrealized						Fair						Unrealized
(Dollars in thousands)						Value						Loss						Value						Loss						Value						Loss
Available-for-sale debt securities:
CMO						$	47,071					$	1,243					$	334,744					$	85,440					$	381,815					$	86,683
FNMA MBS						713,650						34,376						2,193,126						499,265						2,906,776						533,641
FHLMC MBS						48,161						1,829						93,361						12,199						141,522						14,028
GNMA MBS						49,609						3,011						31,522						4,514						81,131						7,525
GSE agency notes						—						—						177,982						40,388						177,982						40,388
						$	858,491					$	40,459					$	2,830,735					$	641,806					$	3,689,226					$	682,265

For debt securities in an unrealized loss position, the table below shows the gross unrealized losses and fair value by investment category and length of time that individual debt securities were in a continuous unrealized loss position at December 31, 2025.

						Duration of Unrealized Loss Position
						Less than 12 months												12 months or longer												Total
						Fair						Unrealized						Fair						Unrealized						Fair						Unrealized
(Dollars in thousands)						Value						Loss						Value						Loss						Value						Loss
Available-for-sale debt securities:
CMO						$	—					$	—					$	394,776					$	71,679					$	394,776					$	71,679
FNMA MBS						68,311						353						2,551,281						383,739						2,619,592						384,092
FHLMC MBS						7,978						58						103,510						7,484						111,488						7,542
GNMA MBS						4,323						93						34,290						2,387						38,613						2,480
GSE agency notes						—						—						187,805						32,493						187,805						32,493
						$	80,612					$	504					$	3,271,662					$	497,782					$	3,352,274					$	498,286

The Company does not have the intent to sell, nor is it more likely than not it will be required to sell these securities before it is able to recover the amortized cost basis. The unrealized losses are the result of changes in market interest rates subsequent to purchase, not credit loss, as these are highly rated agency securities with no expected credit loss, in the event of a default. As a result, there is no allowance for credit losses recorded for available-for-sale debt securities as of September 30, 2026.

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At September 30, 2026 and December 31, 2025, held-to-maturity debt securities had an amortized cost basis of $925.7 million and $968.3 million, respectively. The held-to-maturity debt security portfolio primarily consists of mortgage-backed securities which were issued or guaranteed by U.S. government-sponsored entities and agencies and highly rated municipal bonds. The Company monitors credit quality of its non-government and non-agency securities through credit ratings. The following table summarizes the amortized cost of debt securities held-to-maturity as of September 30, 2026, aggregated by credit quality indicator:

(Dollars in thousands)						FNMA MBS						State and political subdivisions
A+ rated or higher						$	—					$	173,153
Not rated						752,574						—
Ending balance						$	752,574					$	173,153

The following table summarizes the amortized cost of debt securities held-to-maturity as of December 31, 2025, aggregated by credit quality indicator:

(Dollars in thousands)						FNMA MBS						State and political subdivisions
A+ rated or higher						$	—					$	179,897
Not rated						788,439						—
Ending balance						$	788,439					$	179,897

The Company reviewed its held-to-maturity debt securities by major security type for potential credit losses. There was no activity in the allowance for credit losses for FNMA MBS debt securities for the nine months ended September 30, 2026 and 2025. See Note 6 for information on the activity in the allowance for credit losses for state and political subdivisions debt securities for the three and nine months ended September 30, 2026 and 2025.

Accrued interest receivable of $2.9 million as of September 30, 2026 and $3.4 million as of December 31, 2025 for held-to-maturity debt securities was excluded from the evaluation of allowance for credit losses. There were no nonaccrual or past due held-to-maturity debt securities as of September 30, 2026 and December 31, 2025.

Equity Investments

The Company had equity investments of $8.6 million and $13.4 million as of September 30, 2026 and December 31, 2025, respectively.

During the three months ended September 30, 2026, the Company did not recognize any impairment losses on its equity investments. During the nine months ended September 30, 2026, the Company recognized impairment losses of $4.1 million related to one of its equity investments, recorded within Unrealized loss on equity investments, net in the unaudited Consolidated Statements of Income. The Company recognized realized gains of $0.1 million and $0.3 million related to our equity investments for the three and nine months ended September 30, 2026, respectively. The Company recognized realized gains of $0.9 million and $1.0 million related to our equity investments for the three and nine months ended September 30, 2025, respectively.

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5. LOANS AND LEASES

The following table shows the Company's loan and lease portfolio by category:  

(Dollars in thousands)						September 30, 2026						December 31, 2025
Commercial and industrial						$	2,975,080					$	2,796,654
Owner-occupied commercial						2,040,299						1,937,339
Commercial mortgages						3,884,727						3,916,159
Construction						1,004,871						1,023,911
Commercial small business leases						593,112						603,321
Residential(1)						1,331,351						1,089,830
Consumer(2)						1,812,800						1,894,460
						13,642,240						13,261,674
Less:
Allowance for credit losses						185,238						179,647
Net loans and leases						$	13,457,002					$	13,082,027

(1) Includes reverse mortgages at fair value of $3.5 million at September 30, 2026 and $3.7 million at December 31, 2025.

(2) Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.

Accrued interest receivable on loans and leases was $63.7 million and $64.9 million at September 30, 2026 and December 31, 2025, respectively. Accrued interest receivable on loans and leases was excluded from the evaluation of allowance for credit losses.

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6. ALLOWANCE FOR CREDIT LOSSES AND CREDIT QUALITY INFORMATION

The following tables provide the activity of the total allowance for credit losses for the three and nine months ended September 30, 2026 and 2025:

						Three months ended September 30, 2026																								Nine months ended September 30, 2026
(Dollars in thousands)						Loans and Leases						HTM Securities(1)						Other Accounts Receivable						Total						Loans and Leases						HTM Securities(1)						Other Accounts Receivable						Total
Allowance for credit losses
Beginning balance						$	177,263					$	5					$	2,767					$	180,035					$	179,647					$	5					$	2,848					$	182,500
Charge-offs						(8,532)						—						(1,621)						(10,153)						(32,183)						—						(4,647)						(36,830)
Recoveries						9,100						—						507						9,607						29,096						—						1,677						30,773
Provision						7,407						—						986						8,393						8,678						—						2,761						11,439
Ending balance						$	185,238					$	5					$	2,639					$	187,882					$	185,238					$	5					$	2,639					$	187,882
						Three months ended September 30, 2025																								Nine months ended September 30, 2025
(Dollars in thousands)						Loans and Leases						HTM Securities(1)						Other Accounts Receivable						Total						Loans and Leases						HTM Securities(1)						Other Accounts Receivable						Total
Allowance for credit losses
Beginning balance						$	186,304					$	6					$	2,811					$	189,121					$	195,281					$	7					$	—					$	195,288
Charge-offs						(12,353)						—						(1,019)						(13,372)						(48,020)						—						(2,840)						(50,860)
Recoveries						3,267						—						748						4,015						13,272						—						748						14,020
Charge-offs from transfer of loans to held for sale						(826)						—						—						(826)						(9,481)						—						—						(9,481)
Provision (release)						6,838						—						(272)						6,566						32,178						(1)						4,360						36,537
Ending balance						$	183,230					$	6					$	2,268					$	185,504					$	183,230					$	6					$	2,268					$	185,504

(1)See Note 4 for further detail on the HTM securities allowance.

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Allowance for Credit Losses Related to Loans and Leases

The following tables provide the activity of allowance for credit losses (ACL) and loan balances for our loan and lease portfolio for the three and nine months ended September 30, 2026 and 2025. For the three and nine months ended September 30, 2026, the increase in ACL was primarily due to a specific reserve and loan growth, partially offset by payments and recoveries.

(Dollars in thousands)						Commercial and Industrial						Owner-occupied Commercial						Commercial Mortgages						Construction						Commercial Small Business Leases						Residential(1)						Consumer(2)						Total
Three months ended September 30, 2026
Allowance for credit losses
Beginning balance						$	51,883					$	8,717					$	49,451					$	13,541					$	17,424					$	6,260					$	29,987					$	177,263
Charge-offs						(3,928)						(311)						—						(700)						(2,588)						—						(1,005)						(8,532)
Recoveries						4,992						1						2,827						—						748						41						491						9,100
Provision (release)						7,736						627						(3,196)						401						481						(318)						1,676						7,407
Ending balance						$	60,683					$	9,034					$	49,082					$	13,242					$	16,065					$	5,983					$	31,149					$	185,238
Nine months ended September 30, 2026
Allowance for credit losses
Beginning balance						$	52,927					$	7,626					$	48,047					$	13,264					$	16,449					$	6,764					$	34,570					$	179,647
Charge-offs						(13,334)						(609)						(1,740)						(4,435)						(7,925)						—						(4,140)						(32,183)
Recoveries						21,629						13						3,361						—						2,318						135						1,640						29,096
(Release) provision						(539)						2,004						(586)						4,413						5,223						(916)						(921)						8,678
Ending balance						$	60,683					$	9,034					$	49,082					$	13,242					$	16,065					$	5,983					$	31,149					$	185,238
Period-end allowance allocated to:
Loans evaluated on an individual basis						$	8,082					$	—					$	—					$	2,035					$	—					$	—					$	—					$	10,117
Loans evaluated on a collective basis						52,601						9,034						49,082						11,207						16,065						5,983						31,149						175,121
Ending balance						$	60,683					$	9,034					$	49,082					$	13,242					$	16,065					$	5,983					$	31,149					$	185,238
Period-end loan balances:
Loans evaluated on an individual basis						$	29,639					$	19,896					$	5,287					$	7,243					$	—					$	6,961					$	3,633					$	72,659
Loans evaluated on a collective basis						2,945,441						2,020,403						3,879,440						997,628						593,112						1,320,862						1,809,167						13,566,053
Ending balance						$	2,975,080					$	2,040,299					$	3,884,727					$	1,004,871					$	593,112					$	1,327,823					$	1,812,800					$	13,638,712

(1)Period-end loan balance excludes reverse mortgages at fair value of $3.5 million.

(2)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.

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(Dollars in thousands)						Commercial and Industrial						Owner - occupied Commercial						Commercial Mortgages						Construction						Commercial Small Business Leases						Residential(1)						Consumer(2)						Total
Three months ended September 30, 2025
Allowance for credit losses
Beginning balance						$	52,121					$	8,584					$	54,775					$	10,696					$	18,301					$	5,815					$	36,012					$	186,304
Charge-offs						(7,363)						(4)						(43)						—						(3,860)						—						(1,083)						(12,353)
Recoveries						1,541						4						—						—						932						43						747						3,267
Charge-offs arising from transfer of loans to held for sale						—						—						—						—						—						—						(826)						(826)
Provision (release)						3,330						(273)						(6,122)						6,478						1,892						594						939						6,838
Ending balance						$	49,629					$	8,311					$	48,610					$	17,174					$	17,265					$	6,452					$	35,789					$	183,230
Nine months ended September 30, 2025
Allowance for loan losses
Beginning balance						$	57,131					$	9,139					$	48,962					$	9,185					$	15,965					$	5,566					$	49,333					$	195,281
Charge-offs						(28,514)						(4)						(240)						—						(11,203)						—						(8,059)						(48,020)
Recoveries						3,985						16						527						—						2,265						140						6,339						13,272
Charge-offs arising from transfer of loans to held for sale						(552)						—						—						—						—						—						(8,929)						(9,481)
Provision (release)						17,579						(840)						(639)						7,989						10,238						746						(2,895)						32,178
Ending balance						$	49,629					$	8,311					$	48,610					$	17,174					$	17,265					$	6,452					$	35,789					$	183,230
Period-end allowance allocated to:
Loans evaluated on an individual basis						$	—					$	—					$	—					$	6,069					$	—					$	—					$	—					$	6,069
Loans evaluated on a collective basis						49,629						8,311						48,610						11,105						17,265						6,452						35,789						177,161
Ending balance						$	49,629					$	8,311					$	48,610					$	17,174					$	17,265					$	6,452					$	35,789					$	183,230
Period-end loan balances:
Loans evaluated on an individual basis						$	14,986					$	6,672					$	3,145					$	29,381					$	—					$	8,149					$	3,024					$	65,357
Loans evaluated on a collective basis						2,610,166						1,916,095						3,852,826						974,605						617,256						1,025,194						1,893,754						12,889,896
Ending balance						$	2,625,152					$	1,922,767					$	3,855,971					$	1,003,986					$	617,256					$	1,033,343					$	1,896,778					$	12,955,253

(1)Period-end loan balance excludes reverse mortgages at fair value of $5.3 million.

(2)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.

The following tables show nonaccrual and past due loans presented at amortized cost at the date indicated:

												September 30, 2026
(Dollars in thousands)												30–89 Days Past Due and Still  Accruing						Greater  Than 90 Days Past Due and Still Accruing						Total Past Due And Still Accruing						Accruing Current Balances						Nonaccrual Loans With No Allowance						Nonaccrual Loans With An Allowance						Total Loans
Commercial and industrial												$	4,446					$	1,916					$	6,362					$	2,938,944					$	9,620					$	20,154					$	2,975,080
Owner-occupied commercial												3,294						4,660						7,954						2,012,448						19,897						—						2,040,299
Commercial mortgages												7,292						—						7,292						3,872,148						5,287						—						3,884,727
Construction												—						—						—						997,628						1,808						5,435						1,004,871
Commercial small business leases												5,098						850						5,948						587,164						—						—						593,112
Residential(1)												3,300						260						3,560						1,319,154						5,109						—						1,327,823
Consumer(2)												9,136						8,032						17,168						1,792,132						3,500						—						1,812,800
Total												$	32,566					$	15,718					$	48,284					$	13,519,618					$	45,221					$	25,589					$	13,638,712
% of Total Loans												0.24		%				0.12		%				0.35		%				99.13		%				0.33		%				0.19		%				100		%

(1)Residential accruing current balances excludes reverse mortgages at fair value of $3.5 million.

(2)Includes $11.9 million of delinquent, but still accruing, U.S. government-guaranteed student loans that carry little risk of credit loss.

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						December 31, 2025
(Dollars in thousands)						30–89 Days Past Due and Still  Accruing						Greater  Than 90 Days Past Due and Still Accruing						Total Past Due And Still Accruing						Accruing Current Balances						Nonaccrual Loans With No Allowance						Nonaccrual Loans With An Allowance						Total Loans
Commercial and industrial						$	4,634					$	2,062					$	6,696					$	2,762,898					$	16,842					$	10,218					$	2,796,654
Owner-occupied commercial						7,152						50						7,202						1,923,556						6,581						—						1,937,339
Commercial mortgages						44,139						9,533						53,672						3,854,922						7,565						—						3,916,159
Construction						1,716						—						1,716						999,814						16,946						5,435						1,023,911
Commercial small business leases						6,536						592						7,128						596,193						—						—						603,321
Residential(1)						3,851						133						3,984						1,077,116						5,002						—						1,086,102
Consumer(2)						10,719						10,046						20,765						1,870,386						3,309						—						1,894,460
Total						$	78,747					$	22,416					$	101,163					$	13,084,885					$	56,245					$	15,653					$	13,257,946
% of Total Loans						0.59		%				0.17		%				0.76		%				98.70		%				0.42		%				0.12		%				100		%

(1)Residential accruing current balances excludes reverse mortgages, at fair value of $3.7 million.

(2)Includes $15.2 million of delinquent, but still accruing, U.S. government-guaranteed student loans that carry little risk of credit loss.

The following table presents the amortized cost basis of nonaccruing collateral-dependent loans by class at September 30, 2026 and December 31, 2025:

						September 30, 2026												December 31, 2025
(Dollars in thousands)						Property												Equipment and other						Property												Equipment and other
Commercial and industrial						$	23,625											$	6,149					$	17,557											$	9,504
Owner-occupied commercial						19,897												—						6,580												—
Commercial mortgages						5,287												—						7,565												—
Construction						7,243												—						22,381												—
Residential(1)						5,109												—						5,002												—
Consumer(2)						3,480												20						3,285												24
Total						$	64,641											$	6,169					$	62,370											$	9,528

(1)Excludes reverse mortgages at fair value.

(2)Includes home equity lines of credit.

As of September 30, 2026, there were 27 residential loans and 33 commercial loans in the process of foreclosure. The total outstanding balance on these loans was $5.3 million and $28.2 million, respectively. As of December 31, 2025, there were 29 residential loans and 37 commercial loans in the process of foreclosure. The total outstanding balance on these loans was $6.2 million and $36.4 million, respectively. Loan workout and other real estate owned (OREO) expenses were $2.5 million and $5.6 million during the three and nine months ended September 30, 2026, and $1.1 million and $3.3 million during three and nine months ended September 30, 2025. Loan workout and OREO expenses are included in Loan workout and other credit costs on the unaudited Consolidated Statements of Income.

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Credit Quality Indicators

Below is a description of each of the risk ratings for all commercial loans:

•Pass. These borrowers currently show no indication of deterioration or potential problems and their loans are considered fully collectible.

•Special Mention. These borrowers have potential weaknesses that deserve management’s close attention. Borrowers in this category may be experiencing adverse operating trends, for example, declining revenues or margins, high leverage, tight liquidity, or increasing inventory without increasing sales. These adverse trends can have a potential negative effect on the borrower’s repayment capacity. These assets are not adversely classified and do not expose the Bank to significant risk that would warrant a more severe rating. Borrowers in this category may also be experiencing significant management problems, pending litigation, or other structural credit weaknesses.

•Substandard or Lower. These borrowers have well-defined weaknesses that require extensive oversight by management. Borrowers in this category may exhibit one or more of the following: inadequate debt service coverage, unprofitable operations, insufficient liquidity, high leverage, and weak or inadequate capitalization. Relationships in this category are not adequately protected by the sound financial worth and paying capacity of the obligor or the collateral pledged on the loan, if any. A distinct possibility exists that the Bank will sustain some loss if the deficiencies are not corrected. In addition, some borrowers in this category could have the added characteristic that the possibility of loss is extremely high. Current circumstances in the credit relationship make collection or liquidation in full highly questionable. Such impending events include: perfecting liens on additional collateral, obtaining collateral valuations, an acquisition or liquidation proceeding, proposed merger, or refinancing plan.

Residential and Consumer Loans

The residential and consumer loan portfolios are monitored on an ongoing basis using delinquency information and loan type as credit quality indicators. These credit quality indicators are assessed in the aggregate in these relatively homogeneous portfolios. Loans that are greater than 90 days past due are generally considered nonperforming and placed on nonaccrual status.

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The following tables provide an analysis of loans by portfolio segment based on the credit quality indicators used to determine the allowance for credit losses as of September 30, 2026.

						Term Loans Amortized Cost Basis by Origination Year(1)(2)
(Dollars in thousands)						2026						2025						2024						2023						2022						Prior						Revolving loans amortized cost basis						Revolving loans converted to term						Total
Commercial and industrial:
Risk Rating
Pass						$	556,154					$	665,767					$	421,476					$	284,933					$	160,635					$	297,773					$	7,319					$	389,089					$	2,783,146
Special mention						14,025						10,052						2,893						3,099						12,496						5,214						—						2,834						50,613
Substandard or lower						31,007						20,382						20,606						13,177						3,762						25,152						88						27,147						141,321
						$	601,186					$	696,201					$	444,975					$	301,209					$	176,893					$	328,139					$	7,407					$	419,070					$	2,975,080
Current-period gross charge-offs						$	—					$	215					$	1,125					$	3,015					$	5,135					$	3,844					$	—					$	—					$	13,334
Owner-occupied commercial:
Risk Rating
Pass						$	340,665					$	248,130					$	209,400					$	216,100					$	145,469					$	515,095					$	—					$	281,390					$	1,956,249
Special mention						2,236						—						72						—						3,738						2,160						—						—						8,206
Substandard or lower						2,252						8,612						4,304						9,730						13,151						25,856						—						11,939						75,844
						$	345,153					$	256,742					$	213,776					$	225,830					$	162,358					$	543,111					$	—					$	293,329					$	2,040,299
Current-period gross charge-offs						$	—					$	—					$	523					$	—					$	45					$	41					$	—					$	—					$	609
Commercial mortgages:
Risk Rating
Pass						$	528,031					$	403,196					$	323,778					$	364,046					$	299,143					$	1,153,634					$	—					$	632,440					$	3,704,268
Special mention						10,647						—						24,342						6,400						3,546						11,232						—						4,083						60,250
Substandard or lower						21,014						22,629						3,273						379						15,158						38,704						—						19,052						120,209
						$	559,692					$	425,825					$	351,393					$	370,825					$	317,847					$	1,203,570					$	—					$	655,575					$	3,884,727
Current-period gross charge-offs						$	—					$	—					$	—					$	—					$	1,740					$	—					$	—					$	—					$	1,740
Construction:
Risk Rating
Pass						$	196,177					$	397,822					$	262,453					$	61,172					$	2,735					$	15,038					$	—					$	28,821					$	964,218
Special mention						20,338						3,458						—						—						—						—						—						—						23,796
Substandard or lower						8,641						1,300						5,435						974						—						—						—						507						16,857
						$	225,156					$	402,580					$	267,888					$	62,146					$	2,735					$	15,038					$	—					$	29,328					$	1,004,871
Current-period gross charge-offs						$	—					$	700					$	—					$	3,735					$	—					$	—					$	—					$	—					$	4,435
Commercial small business leases:
Risk Rating
Performing						$	167,777					$	156,802					$	140,248					$	85,709					$	39,275					$	3,301					$	—					$	—					$	593,112
Nonperforming						—						—						—						—						—						—						—						—						—
						$	167,777					$	156,802					$	140,248					$	85,709					$	39,275					$	3,301					$	—					$	—					$	593,112
Current-period gross charge-offs						$	77					$	857					$	2,646					$	2,204					$	1,644					$	497					$	—					$	—					$	7,925
Residential(3):
Risk Rating
Performing						$	376,792					$	213,500					$	123,135					$	122,991					$	54,957					$	429,335					$	—					$	—					$	1,320,710
Nonperforming						—						—						—						107						—						7,006						—						—						7,113
						$	376,792					$	213,500					$	123,135					$	123,098					$	54,957					$	436,341					$	—					$	—					$	1,327,823
Current-period gross charge-offs						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Consumer(4):
Risk Rating
Performing						$	11,801					$	34,501					$	161,632					$	175,226					$	264,648					$	278,794					$	871,807					$	10,610					$	1,809,019
Nonperforming						—						—						—						301						526						97						2,553						304						3,781
						$	11,801					$	34,501					$	161,632					$	175,527					$	265,174					$	278,891					$	874,360					$	10,914					$	1,812,800
Current-period gross charge-offs						$	839					$	97					$	710					$	385					$	862					$	1,247					$	—					$	—					$	4,140

(1)Origination date represents the most recent underwriting of the loan which includes new relationships, renewals and extensions.

(2)Excludes loans held for sale.

(3)Excludes reverse mortgages at fair value.

(4)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.

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The following tables provide an analysis of loans by portfolio segment based on the credit quality indicators used to determine the allowance for credit losses as of December 31, 2025.

						Term Loans Amortized Cost Basis by Origination Year(1)(2)
(Dollars in thousands)						2025						2024						2023						2022						2021						Prior						Revolving loans amortized cost basis						Revolving loans converted to term						Total
Commercial and industrial:
Risk Rating
Pass						$	792,428					$	498,646					$	295,043					$	238,011					$	67,071					$	390,703					$	7,917					$	296,470					$	2,586,289
Special mention						12,525						16,960						4,617						14,149						1,736						4,812						—						3,127						57,926
Substandard or Lower						49,685						17,836						8,951						14,881						3,165						29,720						30						28,171						152,439
						$	854,638					$	533,442					$	308,611					$	267,041					$	71,972					$	425,235					$	7,947					$	327,768					$	2,796,654
Current-period gross charge-offs						$	2,020					$	6,104					$	1,857					$	1,714					$	13,405					$	7,020					$	—					$	—					$	32,120
Owner-occupied commercial:
Risk Rating
Pass						$	243,709					$	237,172					$	257,796					$	176,149					$	186,215					$	467,831					$	—					$	267,819					$	1,836,691
Special mention						4,701						—						685						1,369						1,632						2,035						—						7,393						17,815
Substandard or Lower						11,460						5,891						14,633						10,222						6,108						24,733						—						9,786						82,833
						$	259,870					$	243,063					$	273,114					$	187,740					$	193,955					$	494,599					$	—					$	284,998					$	1,937,339
Current-period gross charge-offs						$	—					$	—					$	4					$	—					$	—					$	211					$	—					$	—					$	215
Commercial mortgages:
Risk Rating
Pass						$	527,094					$	390,403					$	521,726					$	354,680					$	357,104					$	1,020,802					$	—					$	578,575					$	3,750,384
Special mention						2,927						734						1,592						—						1,202						24,450						—						90						30,995
Substandard or Lower						33,835						8,515						2,557						15,439						4,480						36,678						—						33,276						134,780
						$	563,856					$	399,652					$	525,875					$	370,119					$	362,786					$	1,081,930					$	—					$	611,941					$	3,916,159
Current-period gross charge-offs						$	—					$	34					$	9					$	—					$	—					$	4,540					$	—					$	—					$	4,583
Construction:
Risk Rating
Pass						$	444,484					$	308,702					$	155,421					$	6,328					$	3,441					$	7,665					$	—					$	62,445					$	988,486
Special mention						—						—						—						—						—						—						—						—						—
Substandard or Lower						11,293						5,435						17,399						—						—						—						—						1,298						35,425
						$	455,777					$	314,137					$	172,820					$	6,328					$	3,441					$	7,665					$	—					$	63,743					$	1,023,911
Current-period gross charge-offs						$	—					$	—					$	4,900					$	—					$	—					$	—					$	—					$	—					$	4,900
Commercial small business leases:
Risk Rating
Performing						$	188,345					$	182,471					$	123,065					$	68,356					$	21,001					$	20,083					$	—					$	—					$	603,321
Nonperforming						—						—						—						—						—						—						—						—						—
						$	188,345					$	182,471					$	123,065					$	68,356					$	21,001					$	20,083					$	—					$	—					$	603,321
Current-period gross charge-offs						$	460					$	2,887					$	5,359					$	3,938					$	1,489					$	253					$	—					$	—					$	14,386
Residential(3):
Risk Rating
Performing						$	231,358					$	154,565					$	144,660					$	59,915					$	84,198					$	403,653					$	—					$	—					$	1,078,349
Nonperforming						—						—						113						—						3,491						4,149						—						—						7,753
						$	231,358					$	154,565					$	144,773					$	59,915					$	87,689					$	407,802					$	—					$	—					$	1,086,102
Current-period gross charge-offs						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Consumer(4):
Risk Rating
Performing						$	46,648					$	214,198					$	230,309					$	321,908					$	86,583					$	262,586					$	717,385					$	11,421					$	1,891,038
Nonperforming						—						—						202						311						—						72						2,601						236						3,422
						$	46,648					$	214,198					$	230,511					$	322,219					$	86,583					$	262,658					$	719,986					$	11,657					$	1,894,460
Current-period gross charge-offs						$	9,506					$	709					$	1,956					$	4,097					$	1,256					$	1,339					$	—					$	—					$	18,863

(1)Origination date represents the most recent underwriting of the loan which includes new relationships, renewals and extensions.

(2)Excludes loans held for sale.

(3)Excludes reverse mortgages at fair value.

(4)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.

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Troubled Loans

The Company offers loan modifications to commercial and consumer borrowers that may result in a term extension, payment delay, interest rate reduction, principal forgiveness, or combination thereof. Loan modifications are offered on a case-by-case basis and are generally term extension, payment delay, and interest rate reduction modification types. Forbearance (due to hardship) programs result in modification types including payment delay and/or term extension. In addition, certain reorganization bankruptcy judgments may result in interest rate reduction, term extension, or principal forgiveness modification types.

The following tables show the period-end amortized cost basis of troubled loans modified during the three and nine months ended September 30, 2026 and 2025, disaggregated by portfolio segment and type of modification granted:

						Three Months Ended September 30, 2026
(Dollars in thousands)						Term Extension																		More-Than-Insignificant Payment Delay						Combination- Term Extension and Payment Delay						Combination- Term Extension and Interest Rate Reduction												Total						% of Total Loan Category
Commercial and industrial						$	15,509																	$	3,859					$	—					$	—											$	19,368					0.65		%
Owner-occupied commercial						4,380																		—						1,863						—												6,243						0.31		%
Commercial mortgages						7,659																		—						—						—												7,659						0.20		%
Construction						20,338																		—						—						—												20,338						2.02		%
Residential						—																		707						—						—												707						0.05		%
Consumer(1)						—																		236						183						—												419						0.02		%
Total						$	47,886																	$	4,802					$	2,046					$	—											$	54,734					0.40		%
						Nine Months Ended September 30, 2026
(Dollars in thousands)						Term Extension																		More-Than-Insignificant Payment Delay						Combination- Term Extension and Payment Delay						Combination- Term Extension and Interest Rate Reduction												Total						% of Total Loan Category
Commercial and industrial						$	15,512																	$	3,899					$	806					$	—											$	20,217					0.68		%
Owner-occupied commercial						6,146																		—						1,863						—												8,009						0.39		%
Commercial mortgages						30,369																		—						—						—												30,369						0.78		%
Construction						20,338																		632						—						—												20,970						2.09		%
Residential						—																		1,573						—						—												1,573						0.12		%
Consumer(1)						422																		625						446						48												1,541						0.09		%
Total						$	72,787																	$	6,729					$	3,115					$	48											$	82,679					0.61		%

(1)Includes home equity lines of credit, installment loans and unsecured lines of credit.

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						Three months ended September 30, 2025
(Dollars in thousands)						Term Extension																		More-Than-Insignificant Payment Delay						Combination- Term Extension and Payment Delay																		Total						% of Total Loan Category
Commercial and industrial						$	15,895																	$	—					$	272																	$	16,167					0.62		%
Owner-occupied commercial						484																		—						3,011																		3,495						0.18		%
Commercial mortgages						19,158																		—						—																		19,158						0.50		%
Construction						1,714																		—						—																		1,714						0.17		%
Consumer(1)						271																		136						6																		413						0.02		%
Total						$	37,522																	$	136					$	3,289																	$	40,947					0.32		%
						Nine Months Ended September 30, 2025
(Dollars in thousands)						Term Extension																		More-Than-Insignificant Payment Delay						Combination- Term Extension and Payment Delay																		Total						% of Total Loan Category
Commercial and industrial						$	18,235																	$	2,500					$	302																	$	21,037					0.80		%
Owner-occupied commercial						610																		739						3,011																		4,360						0.23		%
Commercial mortgages						50,410																		—						6,570																		56,980						1.48		%
Construction						28,474																		—						—																		28,474						2.84		%
Consumer(1)						273																		327						399																		999						0.05		%
Total						$	98,002																	$	3,566					$	10,282																	$	111,850					0.86		%

(1)Includes home equity lines of credit, installment loans and unsecured lines of credit.

The following table describes the financial effect of the modifications made to troubled loans during the three and nine months ended September 30, 2026 and 2025:

						Three Months Ended September 30, 2026																		Nine Months Ended September 30, 2026
						Term Extension(1)												Interest Rate Reduction(2)						More-Than-Insignificant Payment Delay(2)						Term Extension(1)												Interest Rate Reduction(2)						More-Than-Insignificant Payment Delay(2)
Commercial and industrial						0.29												—%						0.03%						0.45												—%						0.03%
Owner-occupied commercial						0.33												—						0.01						0.43												—						0.01
Commercial mortgages						0.50												—						—						1.42												0.01						—
Construction						1.00												—						—						1.00												—						—
Residential						0.00												—						0.01						0.00												—						0.01
Consumer						2.22												0.45						—						7.99												0.45						0.01

						Three Months Ended September 30, 2025												Nine Months Ended September 30, 2025
						Term Extension(1)																		More-Than-Insignificant Payment Delay(2)						Term Extension(1)																		More-Than-Insignificant Payment Delay(2)
Commercial and industrial						1.88																		—%						1.77																		0.02%
Owner-occupied commercial						0.81																		0.02						0.82																		0.03
Commercial mortgages						1.18																		—						0.80																		0.05
Construction						0.49																		—						0.87																		—
Consumer						3.68																		—						1.81																		0.01

(1)Represents the weighted-average increase in the life of modified loans measured in years, which reduces monthly payment amounts for borrowers.

(2)Represents the percentage of loans deferred over the total loan portfolio excluding reverse mortgages at fair value.

As of September 30, 2026 and December 31, 2025, the Company had commitments to extend credit of $15.3 million and $6.4 million, respectively, to borrowers experiencing financial difficulty whose terms had been modified.

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Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is charged off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount.

The following tables show the amortized cost of loans that received a modification that had a payment default during the three and nine months ended September 30, 2026 and September 30, 2025 and were modified in the 12 months before default to borrowers experiencing financial difficulty.

						Three Months Ended September 30, 2026
						Term Extension																		More-Than-Insignificant Payment Delay						Combination Term Extension & Payment Delay																		Total
Commercial and industrial						$	—																	$	—					$	147																	$	147
Total						$	—																	$	—					$	147																	$	147
						Nine Months Ended September 30, 2026
						Term Extension																		More-Than-Insignificant Payment Delay						Combination Term Extension & Payment Delay																		Total
Commercial and industrial						$	157																	$	—					$	147																	$	304
Owner-occupied commercial						309																		—						—																		309
Commercial mortgages						1,260																		—						—																		1,260
Consumer						—																		201						—																		201
Total						$	1,726																	$	201					$	147																	$	2,074

						Three months ended September 30, 2025
						Term Extension																								Combination Term Extension & Payment Delay																		Total
Commercial and industrial						$	—																							$	301																	$	301
Total						$	—																							$	301																	$	301
						Nine Months Ended September 30, 2025
						Term Extension																								Combination Term Extension & Payment Delay																		Total
Commercial and industrial						$	—																							$	301																	$	301
Commercial mortgages						5,435																								—																		5,435
Total						$	5,435																							$	301																	$	5,736

The Company closely monitors the performance of troubled loans to understand the effectiveness of its modification efforts. The following tables show the performance of loans that have been modified in the last 12 months as of September 30, 2026 and 2025:

						September 30, 2026
(Dollars in thousands)						30-89 Days Past Due and Still Accruing						90+ Days Past Due and Still Accruing						Accruing Current Balances						Nonaccrual Loans						Total
Commercial and industrial						$	—					$	—					$	23,367					$	1,064					$	24,431
Owner-occupied commercial						—						—						5,596						2,722						8,318
Commercial mortgages						5,618						—						44,444						1,606						51,668
Construction						—						—						20,970						—						20,970
Residential						—						—						1,796						—						1,796
Consumer(1)						61						—						1,501						329						1,891
Total						$	5,679					$	—					$	97,674					$	5,721					$	109,074

(1)Includes home equity lines of credit, installment loans and unsecured lines of credit.

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						September 30, 2025
						30-89 Days Past Due and Still Accruing						90+ Days Past Due and Still Accruing						Accruing Current Balances						Nonaccrual Loans						Total
Commercial and industrial(1)						$	—					$	—					$	32,097					$	3,363					$	35,460
Owner-occupied commercial						—						—						2,197						2,163						4,360
Commercial mortgages						6,570						—						50,929						—						57,499
Construction						—						—						21,355						26,760						48,115
Consumer(2)						1						—						916						106						1,023
Total						$	6,571					$	—					$	107,494					$	32,392					$	146,457

(1)Excludes $10.3 million of troubled loans held for sale.

(2)Includes home equity lines of credit, installment loans and unsecured lines of credit.

Allowance for Credit Losses Related to Other Accounts Receivable

The Company determines the allowance for other accounts receivable (e.g. fee-related receivables) considering historical loss information and other available indicators. In certain cases where there are no historical or current indicators of an expected credit loss, we may estimate the reserve to be close to zero. The allowance for credit losses related to other accounts receivable was $2.6 million as of September 30, 2026 and $2.8 million as of December 31, 2025.

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7. LEASES

As a lessee, the Company enters into leases for its bank branches, corporate offices, and certain equipment. As a lessor, the Company primarily provides financing through its equipment leasing business.

Lessee

The Company's ongoing leases have remaining lease terms of less than one year to 19 years, which includes renewal options that are reasonably expected to be exercised at its discretion. The Company's lease terms to calculate the lease liability and right-of-use asset include options to extend the lease when it is reasonably certain that the Company will exercise the option. The lease liability and right-of-use asset are included in Other liabilities and Other assets, respectively, in the unaudited Consolidated Statements of Financial Condition. Leases with an initial term of 12 months or less are not recorded on the unaudited Consolidated Statements of Financial Condition. Lease expense is recognized on a straight-line basis over the lease term. Operating lease expense is included in Occupancy expense in the unaudited Consolidated Statements of Income. The Company accounts for lease components separately from nonlease components. The Company subleases certain real estate to third parties.

The components of operating lease cost were as follows:

						Three months ended												Nine months ended
(Dollars in thousands)						September 30, 2026						September 30, 2025						September 30, 2026						September 30, 2025
Operating lease cost (1)						$	3,590					$	3,919					$	11,297					$	12,547
Sublease income						(27)						(27)						(81)						(78)
Net lease cost						$	3,563					$	3,892					$	11,216					$	12,469

(1)Includes variable lease cost and short-term lease cost.

Supplemental information related to operating leases was as follows:

(Dollars in thousands)						September 30, 2026						December 31, 2025
Right-of-use assets						$	92,793					$	102,891
Lease liabilities						$	115,642					$	125,288
Lease term and discount rate
Weighted average remaining lease term (in years)						10.95						11.35
Weighted average discount rate						5.17		%				5.26		%

Maturities of operating lease liabilities were as follows:

(Dollars in thousands)						September 30, 2026
Remaining in 2026						$	4,303
2027						15,221
2028						14,718
2029						12,687
2030						12,423
After 2030						93,758
Total lease payments						153,110
Less: Interest						37,468
Present value of lease liabilities						$	115,642

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Supplemental cash flow information related to operating leases was as follows:

						Three months ended												Nine months ended
(Dollars in thousands)						September 30, 2026						September 30, 2025						September 30, 2026						September 30, 2025
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases						$	4,173					$	4,901					$	12,540					$	14,368

As of September 30, 2026, the Company had entered into one lease that had not yet commenced, with estimated future lease payments of approximately $25.2 million. This lease is expected to commence in the fourth quarter of 2026, with an initial lease term of 13 years.

Lessor Equipment Leasing

The Company provides equipment and small business lease financing through its leasing subsidiary, NewLane Finance®. Interest income from direct financing leases where the Company is a lessor is recognized in Interest and fees on loans and leases on the unaudited Consolidated Statements of Income. The Company accounts for credit risk associated with equipment and small business leases through the allowance for credit losses on the unaudited Consolidated Statements of Financial Condition and Provision for credit losses on the unaudited Consolidated Statements of Income.

The components of direct finance lease income are summarized in the table below:

						Three months ended												Nine months ended
(Dollars in thousands)						September 30, 2026						September 30, 2025						September 30, 2026						September 30, 2025
Direct financing leases:
Interest income on lease receivables						$	14,618					$	15,893					$	44,215					$	48,173
Interest income on deferred fees and costs, net						(2,023)						(2,307)						(6,210)						(6,853)
Total direct financing lease net interest income						$	12,595					$	13,586					$	38,005					$	41,320

Equipment leasing receivables relate to direct financing leases. The composition of the net investment in direct financing leases was as follows:

(Dollars in thousands)						September 30, 2026						December 31, 2025
Lease receivables						$	684,472					$	695,125
Unearned income						(107,362)						(109,667)
Deferred fees and costs						16,002						17,863
Net investment in direct financing leases						$	593,112					$	603,321

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8. GOODWILL AND INTANGIBLE ASSETS

In accordance with ASC 805, Business Combinations (ASC 805) and ASC 350, Intangibles - Goodwill and Other (ASC 350), all assets acquired and liabilities assumed in purchase acquisitions, including goodwill, indefinite-lived intangibles and other intangibles are recorded at fair value as of acquisition date.

WSFS performs its annual goodwill impairment test on October 1, or more frequently if events and circumstances indicate that the fair value of a reporting unit is less than its carrying value. In between annual tests, management performs a qualitative review of goodwill quarterly as part of the Company's review of the overall business to ensure no events or circumstances have occurred that would impact its goodwill evaluation. During the nine months ended September 30, 2026, management determined based on its qualitative assessment that the fair values of our reporting units exceeded their carrying values, and no goodwill impairment existed.

The following table shows the allocation of goodwill to the reportable operating segments for purposes of goodwill impairment testing:

(Dollars in thousands)			WSFS Bank												Wealth and Trust						Consolidated Company
December 31, 2024			$	753,586											$	132,312					$	885,898
Goodwill adjustments(1)			—												(674)						(674)
December 31, 2025			$	753,586											$	131,638					$	885,224
Goodwill adjustments			—												—						—
September 30, 2026			$	753,586											$	131,638					$	885,224

(1)During the second quarter of 2025, the Company completed the sale of the WSFS Wealth Management, LLC (dba Powdermill Financial Solutions) business.

ASC 350 requires that an acquired intangible asset be separately recognized if the benefit of the intangible asset is obtained through contractual or other legal rights, or if the asset can be sold, transferred, licensed, rented or exchanged, regardless of the acquirer’s intent to do so. The following table summarizes the Company's intangible assets:

(Dollars in thousands)			Gross Intangible Assets						Accumulated Amortization						Net Intangible Assets						Amortization Period
September 30, 2026
Core deposits			$	98,876					$	(72,578)					$	26,298					10 years
Client relationships			65,329						(25,257)						40,072						7-15 years
Loan servicing rights(1)			11,484						(7,867)						3,617						10-25 years
Tradename			2,900						—						2,900						indefinite
Total intangible assets			$	178,589					$	(105,702)					$	72,887
December 31, 2025
Core deposits			$	101,511					$	(67,845)					$	33,666					10 years
Client relationships			68,270						(24,620)						43,650						7-15 years
Loan servicing rights(2)			11,527						(7,064)						4,463						10-25 years
Tradename			2,900						—						2,900						indefinite
Total intangible assets			$	184,208					$	(99,529)					$	84,679

(1)Gross asset includes valuation allowance for impairment losses of $0.6 million as of September 30, 2026.

(2)Gross asset includes valuation allowance for impairment losses of $0.4 million as of December 31, 2025.

The Company recognized amortization expense on intangible assets of $3.6 million and $10.9 million for the three and nine months ended September 30, 2026 compared to $3.8 million and $11.6 million for the three and nine months ended September 30, 2025.

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The following table presents the estimated future amortization expense on definite life intangible assets:

(Dollars in thousands)			September 30, 2026
Remaining in 2026			$	3,838
2027			15,091
2028			14,414
2029			7,171
2030			5,627
Thereafter			23,846
Total			$	69,987

Servicing Assets

The value of the Company's SBA loan servicing rights was $2.7 million at September 30, 2026 and $3.4 million at December 31, 2025, and the value of its mortgage servicing rights was $0.9 million and $1.1 million at September 30, 2026 and December 31, 2025, respectively. Changes in the value of the Company's servicing rights resulted in impairment losses of $0.5 million and $0.2 million for the three and nine months ended September 30, 2026, respectively, and impairment losses of less than $0.1 million and $0.3 million for the three and nine months ended September 30, 2025, respectively. Revenues from the Company's SBA loan servicing rights are included in Loan and lease fee income in the unaudited Consolidated Statements of Income, and revenues from originating, marketing and servicing mortgage loans as well as valuation adjustments related to capitalized mortgage servicing rights are included in Mortgage banking activities, net in the unaudited Consolidated Statements of Income.

There was no impairment of other intangible assets as of September 30, 2026 or December 31, 2025 other than the impairment to servicing rights noted above.

9. DEPOSITS

The following table shows deposits by category:

(Dollars in thousands)												September 30, 2026						December 31, 2025
Noninterest-bearing:
			Noninterest demand									$	6,057,908					$	5,576,598
						Total noninterest-bearing						$	6,057,908					$	5,576,598
Interest-bearing:
			Interest-bearing demand									$	3,074,788					$	2,884,356
			Savings									1,336,424						1,409,940
			Money market									6,015,263						5,761,965
			Client time deposits									1,899,703						2,009,629
						Total interest-bearing						12,326,178						12,065,890
						Total deposits						$	18,384,086					$	17,642,488

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10. INCOME TAXES

There were no unrecognized tax benefits as of September 30, 2026. The Company records interest and penalties on potential income tax deficiencies as income tax expense. The Company's federal and state tax returns for the 2022 through 2025 tax years are subject to examination as of September 30, 2026. The Company does not expect to record or realize any material unrecognized tax benefits during 2026.

The amount of affordable housing tax credits, amortization, and tax benefits recorded as income tax expense for the three months ended September 30, 2026 were $2.5 million, $2.8 million, and $0.8 million, respectively, compared to $1.9 million, $2.2 million, and $0.6 million, respectively, for the three months ended September 30, 2025. The amount of affordable housing tax credits, amortization, and tax benefits recorded as income tax expense for the nine months ended September 30, 2026 were $7.6 million, $8.3 million, and $2.3 million, respectively, compared to $5.8 million, $6.5 million, and $1.9 million, respectively, for the nine months ended September 30, 2025. The carrying value of the investment in affordable housing credits was $141.5 million at September 30, 2026, compared to $115.8 million at December 31, 2025 and is included in the Other assets line item on the unaudited Consolidated Statements of Financial Condition. Unfunded commitments related to our investment in affordable housing credits were $91.0 million at September 30, 2026, compared to $72.7 million at December 31, 2025 and are included in the Other liabilities line item on the unaudited Consolidated Statements of Financial Condition.

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11. FAIR VALUE DISCLOSURES OF FINANCIAL ASSETS AND LIABILITIES

FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES

ASC 820-10, Fair Value Measurement (ASC 820-10) defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. ASC 820-10 establishes a fair value hierarchy that prioritizes the use of inputs used in valuation methodologies into the following three levels:

•Level 1: Inputs to the valuation methodology are quoted prices, unadjusted, for identical assets or liabilities in active markets. A quoted price in an active market provides the most reliable evidence of fair value and shall be used to measure fair value whenever available.

•Level 2: Inputs to the valuation methodology include quoted prices for similar assets or liabilities in active markets; inputs to the valuation methodology include quoted prices for identical or similar assets or liabilities in markets that are not active; or inputs to the valuation methodology that are derived principally from or can be corroborated by observable market data by correlation or other means.

•Level 3: Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Level 3 assets and liabilities include financial instruments whose value is determined using discounted cash flow methodologies, as well as instruments for which the determination of fair value requires significant management judgment or estimation.

The following tables present financial instruments carried at fair value as of September 30, 2026 and December 31, 2025 by level in the valuation hierarchy (as described above):

						September 30, 2026
(Dollars in thousands)						Quoted Prices in Active Markets for Identical Asset (Level 1)						Significant Other Observable Inputs (Level 2)						Significant Unobservable Inputs (Level 3)						Total Fair Value
Assets measured at fair value on a recurring basis:
Available-for-sale securities:
CMO						$	—					$	381,815					$	—					$	381,815
FNMA MBS						—						2,908,667						—						2,908,667
FHLMC MBS						—						141,522						—						141,522
GNMA MBS						—						81,131						—						81,131
GSE agency notes						—						177,982						—						177,982
Other assets						—						203,870						7						203,877
Total assets measured at fair value on a recurring basis						$	—					$	3,894,987					$	7					$	3,894,994
Liabilities measured at fair value on a recurring basis:
Other liabilities						$	—					$	201,537					$	1,687					$	203,224
Assets measured at fair value on a nonrecurring basis:
Other investments						$	—					$	—					$	6,077					$	6,077
Other real estate owned						—						—						11,846						11,846
Loans held for sale						—						21,386						—						21,386
Total assets measured at fair value on a nonrecurring basis						$	—					$	21,386					$	17,923					$	39,309

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						December 31, 2025
(Dollars in thousands)						Quoted Prices in Active Markets for Identical Asset (Level 1)						Significant Other Observable Inputs (Level 2)						Significant Unobservable Inputs (Level 3)						Total Fair Value
Assets measured at fair value on a recurring basis:
Available-for-sale securities:
CMO						$	—					$	405,146					$	—					$	405,146
FNMA MBS						—						2,785,407						—						2,785,407
FHLMC MBS						—						116,505						—						116,505
GNMA MBS						—						47,383						—						47,383
GSE agency notes						—						187,805						—						187,805
Other assets						—						145,425						80						145,505
Total assets measured at fair value on a recurring basis						$	—					$	3,687,671					$	80					$	3,687,751
Liabilities measured at fair value on a recurring basis:
Other liabilities						$	—					$	120,432					$	5,429					$	125,861
Assets measured at fair value on a nonrecurring basis
Other investments						$	—					$	—					$	11,090					$	11,090
Other real estate owned						—						—						200						200
Loans held for sale						—						61,573						—						61,573
Total assets measured at fair value on a nonrecurring basis						$	—					$	61,573					$	11,290					$	72,863

Fair value is based on quoted market prices, where available. If such quoted market prices are not available, fair value is based on internally developed models or obtained from third parties that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include unobservable parameters. The Company's valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While the Company believes its valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.

Available-for-sale securities

Securities classified as available-for-sale are reported at fair value using Level 2 inputs. The Company believes that this Level 2 designation is appropriate under ASC 820-10, as these securities are GSEs and GNMA securities with almost all fixed income securities, none are exchange traded, and all are priced by correlation to observed market data. For these securities the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, U.S. government and agency yield curves, live trading levels, trade execution data, market consensus prepayment speeds, credit information, and the security’s terms and conditions, among other factors.

Other investments

Other investments includes equity investments without readily determinable fair values, which are categorized as Level 3. The Company’s equity investments without readily determinable fair values are held at cost, and are adjusted for any observable price changes in orderly transactions for the identical or a similar investment of the same issuer during the reporting period.

Other real estate owned

Other real estate owned consists of loan collateral which has been repossessed through foreclosure or other measures. Initially, foreclosed assets are recorded at the fair value of the collateral less estimated selling costs. Subsequent to foreclosure, valuations are updated periodically and the assets may be marked down further, reflecting a new cost basis. The fair value of other real estate owned was estimated using Level 3 inputs typically based on appraisals obtained from third parties.

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Loans held for sale

The fair value of loans held for sale is based on estimates using Level 2 inputs. These inputs are based on pricing information obtained from wholesale mortgage banks and brokers and applied to loans with similar interest rates and maturities or market bids obtained from potential buyers.

Other assets

Other assets include the fair value of interest rate products, derivatives on the residential mortgage held for sale loan pipeline, foreign exchange forward contracts, and risk participation agreements. Valuation of interest rate products is obtained from an independent pricing service and also from the derivative counterparty. Valuation of the derivative related to the residential mortgage held for sale loan pipeline is based on valuation of the loans held for sale portfolio as described above in Loans held for sale. Valuation of foreign exchange forward contracts and risk participation agreements are obtained from an independent pricing service.

Other liabilities

Other liabilities include the fair value of interest rate products, derivatives on the residential mortgage held for sale loan pipeline, foreign exchange forward contracts, risk participation agreements, and derivative related to the sale of certain Visa Class B common shares. Valuation of interest rate products is obtained from an independent pricing service and also from the derivative counterparty. Valuation of the derivative related to the residential mortgage held for sale loan pipeline is based on valuation of the loans held for sale portfolio as described above in Loans held for sale. Valuation of foreign exchange forward contracts and risk participation agreements are obtained from an independent pricing service. Valuation of the derivative related to the sale of certain Visa Class B common shares is based on: (i) the agreed upon graduated fee structure; (ii) the length of time until the resolution of the Visa covered litigation; and (iii) the estimated impact of dilution in the conversion ratio of Class B shares resulting from changes in the Visa covered litigation.

FAIR VALUE OF FINANCIAL INSTRUMENTS

The reported fair values of financial instruments are based on a variety of factors. In certain cases, fair values represent quoted market prices for identical or comparable instruments. In other cases, fair values have been estimated based on assumptions regarding the amount and timing of estimated future cash flows that are discounted to reflect current market rates and varying degrees of risk. Accordingly, the fair values may not represent actual values of the financial instruments that could have been realized as of period-end or that will be realized in the future.

The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value:

Cash, cash equivalents, and restricted cash

For cash and short-term investment securities, including due from banks, federal funds sold or purchased under agreements to resell and interest-bearing deposits with other banks, the carrying amount is a reasonable estimate of fair value.

Investment securities

Investment securities include debt securities classified as held-to-maturity or available-for-sale. Fair value is estimated using quoted prices for similar securities, which the Company obtains from a third-party vendor. The Company uses one of the largest providers of securities pricing to the industry and management periodically assesses the inputs used by this vendor to price the various types of securities owned by the Company to validate the vendor’s methodology as described above in available-for-sale securities.

Other investments

Other investments includes equity investments without readily determinable fair values (see discussion in “Fair Value of Financial Assets and Liabilities” section above) as well as equity method investments.

Loans held for sale

Loans held for sale are carried at their fair value (see discussion in “Fair Value of Financial Assets and Liabilities” section above).

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Loans and leases

Loans and leases are segregated by portfolio segments with similar financial characteristics. The fair values of loans and leases, with the exception of reverse mortgages, are estimated by discounting expected cash flows using the current rates at which similar loans would be made to borrowers with comparable credit ratings and for similar remaining maturities. The fair values of reverse mortgages are based on the net present value of the expected cash flows using a discount rate specific to the reverse mortgages portfolio. The fair value of nonperforming loans is based on recent external appraisals of the underlying collateral, if the loan is collateral dependent. Estimated cash flows, discounted using a rate commensurate with current rates and the risk associated with the estimated cash flows, are used if appraisals are not available. This technique does contemplate an exit price.

Stock in the Federal Home Loan Bank (FHLB) of Pittsburgh

The fair value of FHLB stock is assumed to be equal to its cost basis, since the stock is non-marketable but redeemable at its par value.

Accrued interest receivable

The carrying amounts of interest receivable approximate fair value.

Other assets

Other assets include the fair value of interest rate products, derivatives on the residential mortgage held for sale loan pipeline, foreign exchange forward contracts, and risk participation agreements (see discussion in “Fair Value of Financial Assets and Liabilities” section above).

Deposits

The fair value of deposits with no stated maturity, such as noninterest-bearing demand deposits, money market and interest-bearing demand deposits, is assumed to be equal to the amount payable on demand. The fair value of time deposits is based on the discounted value of contractual cash flows. The discount rate is estimated using rates currently offered for deposits with comparable remaining maturities.

Borrowed funds

Rates currently available to the Company for debt with similar terms and remaining maturities are used to estimate the fair value of existing debt.

Off-balance sheet instruments

The fair value of off-balance sheet instruments, including swap guarantees of $3.2 million at September 30, 2026 and $4.1 million at December 31, 2025, respectively, and standby letters of credit, approximates the recorded net deferred fee amounts. Because letters of credit are generally not assignable by either the Company or the borrower, they only have value to the Company and the borrower. In determining the fair value of the swap guarantees, the Company assesses the underlying credit risk exposure for each borrower in a paying position to the third-party financial institution.

Accrued interest payable

The carrying amounts of interest payable approximate fair value.

Other liabilities

Other liabilities include the fair value of interest rate products, derivatives on the residential mortgage held for sale loan pipeline, foreign exchange forward contracts, risk participation agreements, and the derivative related to the sale of certain Visa Class B common shares (see discussion in “Fair Value of Financial Assets and Liabilities” section above).

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Financial instruments measured at fair value using significant unobservable inputs (Level 3)

The following tables provide a description of the valuation techniques and significant unobservable inputs for the Company's financial instruments classified as Level 3 as of September 30, 2026 and December 31, 2025:

(Dollars in thousands)

September 30, 2026

Financial Instrument

Fair Value

Valuation Technique(s)

Unobservable Input

Range (Weighted Average)

Other investments

$

6,077

Observed market comparable transactions

Period of observed transactions

June 2026

Other real estate owned

11,846

Fair market value of collateral

Costs to sell

4.0% - 20.0% (4.4%)

Other assets (Risk participation agreements purchased)

7

Credit Valuation Adjustment

CDS Spread and Loss Given Default (LGD)

CDS spread: 110 - 360 bps (239 bps) LGD: 2%

Other liabilities (Risk participation agreements sold)

28

Credit Valuation Adjustment

CDS Spread and Loss Given Default (LGD)

CDS spread: 160 - 350 bps (203 bps) LGD: 30%

Other liabilities (Financial derivative related to sales of certain Visa Class B shares)

1,659

Discounted cash flow

Timing of Visa litigation resolution

0.75 years or 2Q 2027

(Dollars in thousands)

December 31, 2025

Financial Instrument

Fair Value

Valuation Technique(s)

Unobservable Input

Range (Weighted Average)

Other investments

$

11,090

Observed market comparable transactions

Period of observed transactions

December 2025

Other real estate owned

200

Fair market value of collateral

Costs to sell

10.0%

Other assets (Risk participation agreements purchased)

80

Credit Valuation Adjustment

CDS Spread and Loss Given Default (LGD)

CDS spread: 110 - 360 bps (281 bps) LGD: 2%

Other liabilities (Risk participation agreements sold)

122

Credit Valuation Adjustment

CDS Spread and Loss Given Default (LGD)

CDS spread: 160 - 350 bps (202 bps) LGD: 30%

Other liabilities (Financial derivative related to sales of certain Visa Class B shares)

5,307

Discounted cash flow

Timing of Visa litigation resolution

1.50 years or 2Q 2027

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The book value and estimated fair value of the Company's financial instruments are as follows:

 

												September 30, 2026												December 31, 2025
(Dollars in thousands)						Fair Value Measurement						Book Value						Fair Value						Book Value						Fair Value
Financial assets:
Cash, cash equivalents, and restricted cash						Level 1						$	1,930,257					$	1,930,257					$	1,699,154					$	1,699,154
Investment securities available-for-sale						Level 2						3,691,117						3,691,117						3,542,246						3,542,246
Investment securities held-to-maturity, net						Level 2						925,722						770,479						968,331						879,066
Other investments						Level 3						8,595						8,595						13,441						13,441
Loans, held for sale						Level 2						21,386						21,386						61,573						61,573
Loans and leases, net(1)						Level 3						13,457,002						13,433,401						13,082,027						13,171,197
Stock in FHLB of Pittsburgh						Level 2						10,488						10,488						10,194						10,194
Accrued interest receivable						Level 2						81,171						81,171						80,285						80,285
Other assets						Levels 2, 3						203,877						203,877						145,505						145,505
Financial liabilities:
Deposits						Level 2						$	18,384,086					$	18,366,376					$	17,642,488					$	17,631,304
Borrowed funds						Level 2						304,369						277,333						302,682						288,470
Standby letters of credit						Level 3						1,003						1,003						766						766
Accrued interest payable						Level 2						20,216						20,216						19,646						19,646
Other liabilities						Levels 2, 3						203,224						203,224						125,861						125,861

 (1) Includes reverse mortgage loans.

At September 30, 2026 and December 31, 2025 the Company had no commitments to extend credit measured at fair value.

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12. DERIVATIVE FINANCIAL INSTRUMENTS

Risk Management Objective of Using Derivatives

The Company is exposed to certain risks arising from both economic conditions and its business operations. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity, and credit risk, primarily by managing the amount, sources, and duration of its assets and liabilities. The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions. The Company does not use derivative financial instruments for proprietary or speculative trading.

Fair Values of Derivative Instruments

The table below presents the fair value of derivative financial instruments as well as their location on the unaudited Consolidated Statements of Financial Condition as of September 30, 2026.

			Fair Values of Derivative Instruments
(Dollars in thousands)						Count						Notional						Balance Sheet Location						Derivatives (Fair Value)
Derivatives designated as hedging instruments:
Interest rate options						23						$	2,100,000					Other assets						$	9,586
Interest rate swaps and options						3						300,000						Other liabilities						(8,097)
Total												$	2,400,000											$	1,489
Derivatives not designated as hedging instruments:
Interest rate swaps and options												$	3,679,777					Other assets						$	193,207
Interest rate swaps and options												3,679,777						Other liabilities						(193,217)
Interest rate lock commitments with Clients												27,871						Other assets						550
Interest rate lock commitments with Clients												8,495						Other liabilities						(107)
Forward sale commitments												23,942						Other assets						431
Forward sale commitments												18,690						Other liabilities						(36)
FX forwards												3,818						Other assets						96
FX forwards												3,614						Other liabilities						(80)
Risk participation agreements sold												102,206						Other liabilities						(28)
Risk participation agreements purchased												383,018						Other assets						7
Financial derivatives related to sales of certain Visa Class B shares												26,071						Other liabilities						(1,659)
Total derivatives												$	10,357,279											$	653

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The table below presents the fair value of derivative financial instruments as well as their location on the unaudited Consolidated Statements of Financial Condition as of December 31, 2025.

			Fair Values of Derivative Instruments
(Dollars in thousands)						Count						Notional						Balance Sheet Location						Derivatives (Fair Value)
Derivatives designated as hedging instruments:
Interest rate options						25						$	2,200,000					Other assets						$	24,209
Total												$	2,200,000											$	24,209
Derivatives not designated as hedging instruments:
Interest rate swaps and options												$	3,316,973					Other assets						$	119,699
Interest rate swaps and options												3,298,973						Other liabilities						(119,706)
Interest rate lock commitments with Clients												54,789						Other assets						824
Interest rate lock commitments with Clients												448						Other liabilities						(1)
Forward sale commitments												3,225						Other assets						5
Forward sale commitments												56,179						Other liabilities						(118)
FX forwards												22,120						Other assets						688
FX forwards												22,490						Other liabilities						(607)
Risk participation agreements sold												115,059						Other liabilities						(122)
Risk participation agreements purchased												219,617						Other assets						80
Financial derivatives related to sales of certain Visa Class B shares												53,088						Other liabilities						(5,307)
Total derivatives												$	9,362,961											$	19,644

Effect of Derivative Instruments on the Income Statement

The table below presents the effect of derivative financial instruments designated as hedging instruments on the unaudited Consolidated Statements of Income for the three and nine months ended September 30, 2026 and September 30, 2025.

(Dollars in thousands)						Amount of Gain (Loss) Recognized in OCI Included Component						Amount of Gain (Loss) Recognized in OCI Excluded Component						Amount of Gain (Loss) Recognized in OCI on Derivative						Location of Gain (Loss) Reclassified from Accumulated OCI into Income
Three months ended September 30, 2026
Interest rate options						$	(11,237)					$	1,658					$	(9,579)					Interest income
Total						$	(11,237)					$	1,658					$	(9,579)
Nine months ended September 30, 2026
Interest rate options						$	(23,120)					$	5,208					$	(17,912)					Interest income
Total						$	(23,120)					$	5,208					$	(17,912)
Three months ended September 30, 2025
Interest rate options						$	(1,806)					$	1,591					$	(215)					Interest income
Total						$	(1,806)					$	1,591					$	(215)
Nine months ended September 30, 2025
Interest rate options						$	(196)					$	4,296					$	4,100					Interest income
Total						$	(196)					$	4,296					$	4,100

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The table below presents the effect of derivative financial instruments not designated as hedging instruments on the unaudited Consolidated Statements of Income for the three and nine months ended September 30, 2026 and September 30, 2025.

						Amount of Gain (Loss) Recognized in Income												Amount of Gain (Loss) Recognized in Income												Location of Gain (Loss) Recognized in Income
(Dollars in thousands)						Three Months Ended September 30,												Nine Months Ended September 30,
Derivatives not designated as hedging instruments						2026						2025						2026						2025
Interest rate swaps and options						$	1,378					$	2,646					$	5,582					$	5,357					Other income
Interest rate lock commitments with Clients						(274)						(201)						(400)						455						Mortgage banking activities, net
Forward sale commitments						840						(304)						1,327						$	(1,063)					Mortgage banking activities, net
FX forwards						56						70						81						80						Other income
Risk participation agreements						23						(258)						20						(749)						Other income
Total						$	2,023					$	1,953					$	6,610					$	4,080

Derivatives Designated as Hedging Instruments:

Cash Flow Hedges of Interest Rate Risk

The Company's objectives in using interest rate derivatives are to add stability to interest income and to manage its exposure to interest rate movements. To accomplish this objective, the Company primarily uses interest rate options, including floors, caps, collars, or swaps as part of its interest rate risk management strategy. Interest rate options designated as cash flow hedges involve the receipt of fixed amounts from a counterparty in exchange for the Company making variable-rate payments over the life of the agreements without exchange of the underlying notional amount.

The Company has agreements with certain derivative counterparties that contain a provision under which, if it defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. The Company also has agreements with certain derivative counterparties that contain a provision where if it fails to maintain its status as a well-capitalized or adequately capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements.

As of September 30, 2026, the Company had 24 interest rate floors purchased at an aggregate premium of $47.6 million with an aggregate notional amount of $2.2 billion and two interest rate swaps with a notional amount of $0.2 billion to hedge variable cash flows associated with a variable rate loan pool. The outstanding hedges have maturities up to August 2031. Changes to the fair value of derivatives designated and that qualify as cash flow hedges are recorded in accumulated other comprehensive income (loss) and is subsequently reclassified into earnings in the period that the hedged forecast transaction affects earnings. If the Company determines that a cash flow hedge is no longer highly effective, future changes in the fair value of the hedging instrument would be reported in earnings. As of September 30, 2026, the Company determined the cash flow hedges remain highly effective. During the three and nine months ended September 30, 2026, $3.8 million and $11.8 million of amortization expense on premiums was reclassified into interest income compared to $3.1 million and $7.2 million during the three and nine months ended September 30, 2025. The Company does not expect any unrealized gains or losses related to cash flow hedges to be reclassified into earnings in the next twelve months.

Derivatives Not Designated as Hedging Instruments:

Client Derivatives – Interest Rate Swaps

The Company enters into interest rate swaps, options, and other hedging contracts (collectively, "swaps") with commercial loan Clients and other qualified client counterparties wishing to manage interest rate risk exposures. The Company then enters into offsetting hedging agreements with swap dealer counterparties to economically hedge the exposure arising from these contracts. The interest rate swaps with both the Clients and third parties are not designated as hedges under ASC 815, Derivatives and Hedging (ASC 815) and are marked to market through earnings. As the interest rate swaps are structured to offset each other, changes to the underlying benchmark interest rates considered in the valuation of these instruments do not result in an impact to earnings; however, there may be fair value adjustments related to credit quality variations between counterparties, which may impact earnings as required by ASC 820. As of September 30, 2026, there were no fair value adjustments related to credit quality.

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Derivative Financial Instruments from Mortgage Banking Activities

Derivative financial instruments related to mortgage banking activities are recorded at fair value and are not designated as accounting hedges. This includes commitments to originate certain fixed-rate residential mortgage loans to Clients, also referred to as interest rate lock commitments. The Company may also enter into forward sale commitments to sell loans to investors at a fixed price at a future date and trade asset-backed securities to mitigate interest rate risk.

Foreign Exchange Forward Contracts

The Company enters into foreign exchange forward contracts (FX forwards) with Clients to exchange one currency for another on an agreed date in the future at an agreed exchange rate. The Company then enters into corresponding FX forwards with swap dealer counterparties to economically hedge its exposure on the exchange rate component of the client agreements. The FX forwards with both the Clients and third parties are not designated as hedges under ASC 815 and are marked to market through earnings. Exposure to gains and losses on these contracts increase or decrease over their respective lives as currency exchange and interest rates fluctuate. As the FX forwards are structured to offset each other, changes to the underlying term structure of currency exchange rates considered in the valuation of these instruments do not result in an impact to earnings; however, there may be fair value adjustments related to credit quality variations between counterparties, which may impact earnings as required by ASC 820. As of September 30, 2026, there were no fair value adjustments related to credit quality.

Risk Participation Agreements

The Company may enter into a risk participation agreement (RPA) with another institution as a means to assume a portion of the credit risk associated with a loan structure which includes a derivative instrument, in exchange for fee income commensurate with the risk assumed. This type of derivative is referred to as an “RPA sold.” In addition, in an effort to reduce the credit risk associated with an interest rate swap agreement with a borrower for whom the Company has provided a loan structured with a derivative, the Company may purchase an RPA from an institution participating in the facility in exchange for a fee commensurate with the risk shared. This type of derivative is referred to as an “RPA purchased.”

Swap Guarantees

The Company entered into agreements with one unrelated financial institution whereby that financial institution entered into interest rate derivative contracts (interest rate swap transactions) directly with Clients referred to them by the Company. Under the terms of the agreements, the financial institution has recourse to us for any exposure created under each swap transaction, only in the event that the client defaults on the swap agreement and the agreement is in a paying position to the third-party financial institution. This is a customary arrangement that allows us to provide access to interest rate swap transactions for our Clients without creating the swap ourselves. These swap guarantees are accounted for as credit derivatives.

At September 30, 2026 and December 31, 2025, there were 95 and 123 variable-rate to fixed-rate swap transactions between the third-party financial institutions and the Company's Clients, respectively. The initial notional aggregate amount was approximately $0.4 billion and $0.5 billion at September 30, 2026 and December 31, 2025, respectively. At September 30, 2026, the swap transactions remaining maturities ranged from under 1 year to 9 years. At September 30, 2026, none of these client swaps were in a paying position to third parties, with our swap guarantees having a fair value of $3.2 million. At December 31, 2025, one of these client swaps was in a paying position to third parties for less than $1.0 thousand, with the Company's swap guarantees having a fair value of $4.1 million. For both periods, none of the Company's Clients were in default of the swap agreements.

Credit-risk-related Contingent Features

The Company has agreements with certain derivative counterparties that contain a provision under which, if it defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. The Company also has agreements with certain derivative counterparties that contain a provision where if it fails to maintain its status as a well-capitalized or adequately capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements.

The Company had no derivatives with credit-risk-related contingent features in a net liability position as of September 30, 2026 and $4.4 million at December 31, 2025. The Company was required to post collateral on these derivatives of $5.0 million as of December 31, 2025.

If the Company had breached any of these provisions at September 30, 2026, it could have been required to settle its obligations under the agreements at the termination value.

Other Derivative Posted Collateral

The Company has minimum collateral posting thresholds with certain of its derivative counterparties, and has posted collateral of $1.1 million in cash against its obligations under these agreements which meets or exceeds the minimum collateral posting requirements.

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13. SEGMENT INFORMATION

As defined in ASC 280, Segment Reporting (ASC 280), an operating segment is a component of an enterprise that engages in business activities from which it may earn revenues and incur expenses, whose operating results are regularly reviewed by the enterprise’s chief operating decision maker (CODM) to make decisions about resources to be allocated to the segment and assess its performance, and for which discrete financial information is available. The Company evaluates performance based on pretax net income relative to resources used, and allocate resources based on these results. The accounting policies applicable to the Company's segments are those that apply to its preparation of the accompanying unaudited Consolidated Financial Statements. Based on these criteria, the Company has identified three segments: WSFS Bank, Cash Connect®, and Wealth and Trust.

The WSFS Bank segment provides financial products to Commercial and Consumer Clients. Commercial and Consumer Banking and other banking business units are operating departments of WSFS Bank. These departments share the same regulators, the same market, many of the same Clients and provide similar products and services through the general infrastructure of the Bank. Accordingly, these departments are not considered discrete segments and are appropriately aggregated in the WSFS Bank segment.

The Company's Cash Connect® segment provides ATM vault cash, smart safe and other cash logistics services through strategic partnerships with several of the largest networks, manufacturers and service providers in the ATM industry. Cash Connect® services non-bank and WSFS-branded ATMs and smart safes nationwide.

The Wealth and Trust segment provides a broad array of planning and advisory services, investment management, trust services, and credit and deposit products to individual, corporate, and institutional Clients. Bryn Mawr Trust® is our predominant Private Wealth Management brand, providing advisory, investment management and trustee services to institutions, affluent and high-net-worth individuals. Private Wealth Management, which includes Private Banking, serves high-net-worth Clients and institutions by providing trustee and advisory services, financial planning, customized investment strategies, brokerage products such as annuities and customized banking services including credit and deposit products tailored to its clientele. Private Wealth Management includes businesses that operate under the Bank’s charter and as a registered investment advisor (RIA). It generates revenue through fee-only arrangements, net interest income and other fee-only services such as estate administration, trust tax planning and custody.

BMT-DE provides personal trust and fiduciary services to families and individuals across the U.S. and internationally. WSFS Institutional Services® provides trustee, agency, bankruptcy administration, custodial and commercial domicile services to institutional, corporate Clients and special purpose vehicles.

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The following tables show segment results for the three and nine months ended September 30, 2026 and 2025, and represent amounts included in management's reports that are regularly provided to the Company's CODM: Rodger Levenson, Chairman, President and Chief Executive Officer. The CODM evaluates performance based on pretax net income relative to resources used, and allocates resources based on these results.

						Three Months Ended September 30, 2026																								Three Months Ended September 30, 2025
(Dollars in thousands)						WSFS Bank						Cash Connect®						Wealth and Trust						Total						WSFS Bank						Cash Connect®						Wealth and Trust						Total
Statements of Income
External client revenues:
Interest income						$	256,918					$	—					$	6,987					$	263,905					$	251,766					$	—					$	6,655					$	258,421
Interest expense						59,526						—						7,785						67,311						66,248						—						8,150						74,398
Net interest income						197,392						—						(798)						196,594						185,518						—						(1,495)						184,023
Noninterest income						15,075						21,665						54,238						90,978						19,353						25,275						41,843						86,471
Total external client revenues						212,467						21,665						53,440						287,572						204,871						25,275						40,348						270,494
Inter-segment revenues:
Interest income						7,137						383						39,332						46,852						8,210						498						29,540						38,248
Interest expense						39,715						3,250						3,887						46,852						30,038						4,179						4,031						38,248
Net interest income						(32,578)						(2,867)						35,445						—						(21,828)						(3,681)						25,509						—
Noninterest income						9,286						458						463						10,207						9,426						449						458						10,333
Total inter-segment revenues						(23,292)						(2,409)						35,908						10,207						(12,402)						(3,232)						25,967						10,333
Total revenue						189,175						19,256						89,348						297,779						192,469						22,043						66,315						280,827
External client expenses:
Provision for (release of ) credit losses						6,825						11						1,557						8,393						6,563						59						(56)						6,566
Noninterest expenses:
Salaries, benefits and other compensation						72,133						2,527						19,157						93,817						72,799						2,486						16,376						91,661
Occupancy expense						9,360						—						20						9,380						8,324						—						174						8,498
Equipment expense						10,424						479						3,745						14,648						9,956						377						2,600						12,933
Professional fees						2,909						65						598						3,572						3,015						85						1,842						4,942
Other segment items(1)						24,569						11,815						3,758						40,142						26,781						14,956						3,285						45,022
Total external client expenses						126,220						14,897						28,835						169,952						127,438						17,963						24,221						169,622
Inter-segment expenses:
Noninterest expenses						921						1,454						7,832						10,207						907						1,734						7,692						10,333
Total inter-segment expenses						921						1,454						7,832						10,207						907						1,734						7,692						10,333
Total expenses						127,141						16,351						36,667						180,159						128,345						19,697						31,913						179,955
Income before taxes						$	62,034					$	2,905					$	52,681					$	117,620					$	64,124					$	2,346					$	34,402					$	100,872
Income tax provision																								28,309																								24,405
Consolidated net income																								89,311																								76,467
Net income attributable to noncontrolling interest																								15																								18
Net income attributable to WSFS																								$	89,296																							$	76,449
Supplemental Information
Capital expenditures for the period ended						$	7,190					$	—					$	17					$	7,207					$	1,061					$	88					$	83					$	1,232

(1)Other segment items for each reportable segment includes:
WSFS Bank - data processing and operation expense, marketing expense, FDIC expense, loan workout and other credit costs, corporate development expense, restructuring expense, and certain other noninterest expenses.
Cash Connect® - data processing and operation expense, marketing expense, and certain other noninterest expenses, which includes external funding costs.
Wealth and Trust - data processing and operation expense, marketing expense, FDIC expense, loan workout and other credit costs, and certain other noninterest expenses.

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						Nine Months Ended September 30, 2026																								Nine Months Ended September 30, 2025
(Dollars in thousands)						WSFS Bank						Cash Connect®						Wealth and Trust						Total						WSFS Bank						Cash Connect®						Wealth and Trust						Total
Statements of Income
External client revenues:
Interest income						$	749,760					$	—					$	20,190					$	769,950					$	743,534					$	—					$	18,955					$	762,489
Interest expense						172,254						—						23,466						195,720						200,323						—						23,432						223,755
Net interest income						577,506						—						(3,276)						574,230						543,211						—						(4,477)						538,734
Noninterest income						49,769						65,712						155,580						271,061						55,523						74,111						125,743						255,377
Total external client revenues						627,275						65,712						152,304						845,291						598,734						74,111						121,266						794,111
Inter-segment revenues:
Interest income						20,658						1,278						108,038						129,974						23,694						1,384						83,289						108,367
Interest expense						109,316						9,741						10,917						129,974						84,673						12,153						11,541						108,367
Net interest income						(88,658)						(8,463)						97,121						—						(60,979)						(10,769)						71,748						—
Noninterest income						27,240						1,336						1,519						30,095						26,753						1,299						976						29,028
Total inter-segment revenues						(61,418)						(7,127)						98,640						30,095						(34,226)						(9,470)						72,724						29,028
Total revenue						565,857						58,585						250,944						875,386						564,508						64,641						193,990						823,139
External client expenses:
Provision for (release of) credit losses						6,907						(59)						4,591						11,439						31,246						59						5,232						36,537
Noninterest expenses:
Salaries, benefits and other compensation						218,967						7,599						54,905						281,471						206,872						7,694						48,717						263,283
Occupancy expense						27,832						—						(4)						27,828						26,350						—						870						27,220
Equipment expense						30,719						1,217						9,645						41,581						30,405						1,264						7,770						39,439
Professional fees						8,734						263						3,445						12,442						9,413						328						6,110						15,851
Other segment items(1)						80,352						36,239						10,711						127,302						76,253						43,339						8,809						128,401
Total external client expenses						373,511						45,259						83,293						502,063						380,539						52,684						77,508						510,731
Inter-segment expenses:
Noninterest expenses						2,855						4,456						22,784						30,095						2,275						4,764						21,989						29,028
Total inter-segment expenses						2,855						4,456						22,784						30,095						2,275						4,764						21,989						29,028
Total expenses						376,366						49,715						106,077						532,158						382,814						57,448						99,497						539,759
Income before taxes						$	189,491					$	8,870					$	144,867					343,228						$	181,694					$	7,193					$	94,493					$	283,380
Income tax provision																								82,743																								68,825
Consolidated net income																								260,485																								214,555
Net loss attributable to noncontrolling interest																								(36)																								(116)
Net income attributable to WSFS																								$	260,521																							$	214,671
Supplemental Information
Capital expenditures for the period ended						$	9,810					$	—					$	17					$	9,827					$	4,856					$	197					$	586					$	5,639

(1)Other segment items for each reportable segment includes:
WSFS Bank - data processing and operation expense, marketing expense, FDIC expense, loan workout and other credit costs, corporate development expense, restructuring expense, and certain other noninterest expenses.
Cash Connect® - data processing and operation expense, marketing expense, and certain other noninterest expenses, which includes external funding costs.
Wealth and Trust - data processing and operation expense, marketing expense, FDIC expense, loan workout and other credit costs, and certain other noninterest expenses.

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The following table shows significant components of segment net assets as of September 30, 2026 and December 31, 2025:

						September 30, 2026																								December 31, 2025
(Dollars in thousands)						WSFS Bank						Cash Connect®						Wealth and Trust						Total						WSFS Bank						Cash Connect®						Wealth and Trust						Total
Statements of Financial Condition
Cash and cash equivalents						$	1,532,823					$	345,945					$	51,489					$	1,930,257					$	1,296,675					$	355,854					$	46,625					$	1,699,154
Goodwill						753,586						—						131,638						885,224						753,586						—						131,638						885,224
Other segment assets						18,750,486						6,759						539,033						19,296,278						18,214,198						7,827						507,673						18,729,698
Total segment assets						$	21,036,895					$	352,704					$	722,160					$	22,111,759					$	20,264,459					$	363,681					$	685,936					$	21,314,076

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14. COMMITMENTS AND CONTINGENCIES

Secondary Market Loan Sales

The Company typically sells a portion of its newly originated residential mortgage loans in the secondary market to mortgage loan aggregators and, on a more limited basis, to GSEs such as FHLMC, FNMA, and the FHLB. Loans held for sale are reflected on the unaudited Consolidated Statements of Financial Condition at fair value with changes in the value reflected in the unaudited Consolidated Statements of Income. Gains and losses are recognized at the time of sale. The Company periodically retains the servicing rights on residential mortgage loans sold which results in monthly service fee income. The mortgage servicing rights are included in Goodwill and intangible assets on the unaudited Consolidated Statements of Financial Condition. Otherwise, the Company sells loans with servicing released on a nonrecourse basis. Rate-locked loan commitments that the Company intends to sell in the secondary market are accounted for as derivatives under ASC 815.

The Company does not sell loans with recourse, except for standard loan sale contract provisions covering violations of representations and warranties and, under certain circumstances, early payment default by the borrower. These are customary repurchase provisions in the secondary market for residential mortgage loan sales. These provisions may include either an indemnification from loss or the repurchase of the loans. Repurchases and losses have typically been minimal and no provision is made for losses at the time of sale. There were no repurchases during the three months ended September 30, 2026 and September 30, 2025. There were two repurchases for $0.4 million during the nine months ended September 30, 2026 and three repurchases for $0.8 million during the same period in 2025.

Unfunded Lending Commitments

At September 30, 2026 and December 31, 2025, the Company had unfunded lending commitments of $3.3 billion and $3.0 billion, respectively. As of September 30, 2026 and December 31, 2025, the reserve for unfunded lending commitments was $14.1 million and $12.3 million, respectively. An expense of $0.6 million and $1.8 million was recognized during the three and nine months ended September 30, 2026, respectively, compared to an expense of $0.7 million and $0.4 million during the three and nine months ended September 30, 2025, respectively.

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15. CHANGE IN ACCUMULATED OTHER COMPREHENSIVE LOSS

Accumulated other comprehensive loss includes unrealized gains and losses on available-for-sale investments, unrealized gains and losses on cash flow hedges, as well as unrecognized prior service costs and actuarial gains and losses on defined benefit post-retirement plans. Changes to accumulated other comprehensive loss are presented, net of tax, as a component of stockholders’ equity. Amounts that are reclassified out of accumulated other comprehensive loss are recorded on the unaudited Consolidated Statements of Income either as a gain or loss. Changes to accumulated other comprehensive loss by component are shown, net of taxes, in the following tables for the period indicated:

(Dollars in thousands)						Net change in investment securities available-for-sale						Net change in investment securities held-to-maturity						Net change in defined benefit plan						Net change in fair value of derivatives used for cash flow hedges						Net change in equity method investments						Total
Balance, June 30, 2026						$	(393,925)					$	(57,638)					$	(3,187)					$	(11,123)					$	(351)					$	(466,224)
Other comprehensive loss						(124,595)						—						—						—						(9)						(124,604)
Amounts reclassified from accumulated other comprehensive loss						—						3,028						(87)						(9,579)						—						(6,638)
Net current-period other comprehensive (loss) income						(124,595)						3,028						(87)						(9,579)						(9)						(131,242)
Balance, September 30, 2026						$	(518,520)					$	(54,610)					$	(3,274)					$	(20,702)					$	(360)					$	(597,466)
Balance, June 30, 2025						$	(445,064)					$	(69,950)					$	(3,937)					$	(2,982)					$	(223)					$	(522,156)
Other comprehensive income (loss)						44,395						—						7						(215)						(21)						44,166
Amounts reclassified from accumulated other comprehensive loss						—						3,370						(69)						—						—						3,301
Net current-period other comprehensive income (loss)						44,395						3,370						(62)						(215)						(21)						47,467
Balance, September 30, 2025						$	(400,669)					$	(66,580)					$	(3,999)					$	(3,197)					$	(244)					$	(474,689)
(Dollars in thousands)						Net change in investment securities available-for-sale						Net change in investment securities held-to-maturity						Net change in defined benefit plan						Net change in fair value of derivatives used for cash flow hedges						Net change in equity method investments						Total
Balance, December 31, 2025						$	(376,545)					$	(63,409)					$	(2,524)					$	(2,790)					$	(279)					$	(445,547)
Other comprehensive (loss) income						(141,975)						—						(487)						—						(81)						(142,543)
Amounts reclassified from accumulated other comprehensive loss						—						8,799						(263)						(17,912)						—						(9,376)
Net current-period other comprehensive (loss) income						(141,975)						8,799						(750)						(17,912)						(81)						(151,919)
Balance, September 30, 2026						$	(518,520)					$	(54,610)					$	(3,274)					$	(20,702)					$	(360)					$	(597,466)
Balance, December 31, 2024						$	(537,789)					$	(76,405)					$	(3,815)					$	(7,297)					$	429					$	(624,877)
Other comprehensive income (loss)						137,120						—						24						4,100						(673)						140,571
Amounts reclassified from accumulated other comprehensive loss						—						9,825						(208)						—						—						9,617
Net current-period other comprehensive income (loss)						137,120						9,825						(184)						4,100						(673)						150,188
Balance, September 30, 2025						$	(400,669)					$	(66,580)					$	(3,999)					$	(3,197)					$	(244)					$	(474,689)

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The unaudited Consolidated Statements of Income were impacted by components of other comprehensive income (loss) as shown in the tables below:

						Three Months Ended September 30,												Affected line item in unaudited Consolidated Statements of Income
(Dollars in thousands)						2026						2025
Net unrealized holding losses on securities transferred between available-for-sale and held-to-maturity:
Amortization of net unrealized losses to income during the period						$	3,985					$	4,433					Net interest income
Income taxes						(957)						(1,063)						Income tax provision
Net of tax						3,028						3,370
Amortization of defined benefit post-retirement plan-related items:
Prior service credits						(14)						(19)
Actuarial gains						(101)						(72)
Total before tax						(115)						(91)						Salaries, benefits and other compensation
Income taxes						28						22						Income tax provision
Net of tax						(87)						(69)
Net change in fair value of derivatives used for cash flow hedges:
Net change in fair value during the period						(12,604)						(283)						Net interest income
Income taxes						3,025						68						Income tax provision
Net of tax						(9,579)						(215)
Total reclassifications						$	(6,638)					$	3,086
						Nine Months Ended September 30,												Affected line item in unaudited Consolidated Statements of Income
						2026						2025
Net unrealized holding losses on securities transferred between available-for-sale and held-to-maturity:
Amortization of net unrealized losses to income during the period						$	11,578					$	12,927					Net interest income
Income taxes						(2,779)						(3,102)						Income tax provision
Net of tax						8,799						9,825
Amortization of defined benefit post-retirement plan-related items:
Prior service credits						(42)						(57)
Actuarial gains						(304)						(217)
Total before tax						(346)						(274)						Salaries, benefits and other compensation
Income taxes						83						66						Income tax provision
Net of tax						(263)						(208)
Net change in fair value of derivatives used for cash flow hedges:
Net change in fair value during the period						(23,568)						5,395						Net interest income
Income taxes						5,656						(1,295)						Income tax provision
Net of tax						(17,912)						4,100
Total reclassifications						$	(9,376)					$	13,717

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16. LEGAL AND OTHER PROCEEDINGS

In accordance with the current accounting standards for loss contingencies, the Company establishes reserves for litigation-related matters that arise in the ordinary course of its business activities when it is probable that a loss associated with a claim or proceeding has been incurred and the amount of the loss can be reasonably estimated. Litigation claims and proceedings of all types are subject to many uncertain factors that generally cannot be predicted with assurance. In addition, the Company's defense of litigation claims may result in legal fees, which it expenses as incurred.

On October 3, 2022, Mary Elizabeth Gibbons filed a petition against WSFS Bank, in its individual capacity, in the Circuit Court of St. Louis County for the State of Missouri asserting claims and seeking damages related to an alleged injury that occurred on a property that was allegedly held by the Bank as owner trustee of a RMBS trust. The plaintiff sought in excess of $25 thousand in damages and other equitable relief. On June 6, 2023, the court entered a default judgment against the Bank in the amount of $15.0 million, plus post-judgment interest. On January 3, 2025, the Bank received notice that the plaintiff seeks to domesticate and execute on the Missouri judgment by filing an action in the Philadelphia Court of Common Pleas. Based on the inherent uncertainty of this matter, it is reasonably possible that the Bank may incur a loss in the range of $0.0-$15.0 million. The Bank, in accordance with its normal procedures, notified its insurance carriers of a possible claim. The Bank disputes the judgment, the Bank's connection to the property, and denies liability.

There were no material changes or additions to other significant pending legal or other proceedings involving the Company other than those arising out of routine operations.

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ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

OVERVIEW

WSFS Financial Corporation (WSFS, and together with its subsidiaries, the Company) is a savings and loan holding company headquartered in Wilmington, Delaware. Substantially all of our assets are held by our subsidiary, Wilmington Savings Fund Society, FSB (WSFS Bank or the Bank), one of the ten oldest bank and trust companies in the United States (U.S.) continuously operating under the same name. With $22.1 billion in assets and $109.5 billion in assets under management (AUM) and assets under administration (AUA) at September 30, 2026, WSFS Bank is the oldest and largest locally-managed bank and trust company headquartered in the Greater Philadelphia and Delaware region. As a federal savings bank that was formerly chartered as a state mutual savings bank, WSFS Bank enjoys a broader scope of permissible activities than most other financial institutions. A fixture in the community, we have been in operation for more than 194 years. In addition to our focus on stellar client experience, we have continued to fuel growth and remain a leader in our community. We are a relationship-focused, locally-managed, community banking institution. Our mission and strategy is simple: “We Stand for Service®.”

As of September 30, 2026, the Company's consolidated operating subsidiaries included WSFS Bank, The Bryn Mawr Trust Company of Delaware (BMT-DE), Bryn Mawr Trust Advisors (BMTA), and WSFS SPE Services, LLC. The Company also has three unconsolidated subsidiaries: WSFS Capital Trust III, Royal Bancshares Capital Trust I, and Royal Bancshares Capital Trust II. Operating subsidiaries of WSFS Bank included 1832 Holdings, Inc. and one majority-owned subsidiary, NewLane Finance Company (NewLane Finance®).

Our WSFS Bank segment had a total loan and lease portfolio of $13.2 billion as of September 30, 2026, which was funded primarily through client-generated deposits. We have built a $10.2 billion commercial loan and lease portfolio by recruiting seasoned commercial lenders in our markets, offering the high level of service and flexibility typically associated with a community bank and through acquisitions. We also offer a broad variety of consumer loan products and retail securities brokerage through our retail branches. The Home Lending division offers mortgage banking and title services through our branches and WSFS Mortgage®, our mortgage banking division specializing in a variety of residential mortgage and refinancing solutions.

Our Wealth and Trust segment provides a broad array of planning and advisory services, investment management, trust services, and credit and deposit products to individual, corporate and institutional Clients. Combined, these businesses had $109.5 billion of AUM and AUA at September 30, 2026.

Bryn Mawr Trust® is our predominant Private Wealth Management brand, providing advisory, investment management and trustee services to institutions, affluent and high-net-worth individuals. Private Wealth Management serves high-net-worth Clients and institutions by providing trustee and advisory services, financial planning, customized investment strategies, brokerage products such as annuities and traditional banking services such as credit and deposit products tailored to its clientele. Private Wealth Management includes businesses that operate under the Bank’s charter and as a registered investment advisor (RIA). It generates revenue through a percentage fee based on account assets, fee-only arrangements, net interest income and other fee-only services such as estate administration, trust tax planning and custody.

BMT-DE provides personal trust and fiduciary services to families and individuals across the U.S. and internationally. WSFS Institutional Services® provides trustee, agency, bankruptcy administration, custodial and commercial domicile services to institutional, corporate Clients and special purpose vehicles.

Our leasing business, conducted by NewLane Finance®, originates small business leases and provides commercial financing to businesses nationwide, targeting various equipment categories including technology, software, office, medical, veterinary and other areas. In addition, NewLane Finance® offers captive insurance through its subsidiary, Prime Protect.

Our Cash Connect® segment is a premier provider of ATM vault cash, smart safe (safes that automatically accept, validate, record and hold cash in a secure environment) and other cash logistics services through strategic partnerships with several of the largest networks, manufacturers and service providers in the ATM industry. Cash Connect® services non-bank and WSFS-branded ATMs and smart safes nationwide, and manages approximately $1.2 billion in total cash and services approximately 22,900 non-bank ATMs and 12,100 smart safes nationwide. Cash Connect® provides related services such as online reporting and ATM cash management, predictive cash ordering and reconcilement services, armored carrier management, loss protection, and deposit safe cash logistics.

As of September 30, 2026, we service our Clients primarily from 115 offices located in Pennsylvania (59), Delaware (38), New Jersey (14), Florida (2), Nevada (1) and Virginia (1), our ATM network, our website at www.wsfsbank.com and our mobile app.

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Highlights and Other Notable Items for Three and Nine Months Ended September 30, 2026

•Three Months Ended September 30, 2026

◦Diluted EPS was $1.75 and ROA was 1.58%, compared to $1.37 and 1.44%, respectively, for the three months ended September 30, 2025.

◦Gross loans and leases grew $162.6 million, or 1.2%, during the quarter.

◦Wealth and Trust noninterest income grew 30% compared to the three months ended September 30, 2025.

▪WSFS Institutional Services® fees increased 45%, BMT-DE increased 22%, and Private Wealth Management increased 14%.

◦WSFS repurchased 748,970 shares of common stock under the Company's share repurchase plans at an average price of $79.60 per share, for an aggregate purchase price of approximately $59.6 million, and paid quarterly dividends of $10.2 million, for a total capital return of $69.8 million.

◦The Bank and the Company continue to be above well-capitalized across all measures of regulatory capital, with total common equity Tier 1 capital of 13.68% and 13.74%, respectively, and total risk-based capital of 14.88% and 15.47%, respectively.

•Nine Months Ended September 30, 2026

◦Diluted EPS was $5.01 and ROA was 1.57%, compared to $3.75 and 1.37% for the nine months ended September 30, 2025.

◦Total deposits increased $0.7 billion, or 4.2%, compared to December 31, 2025, primarily due to growth in Institutional Services and Commercial.

◦The Bank recognized a $15.7 million recovery of previously charged-off loans to a fund invested in office properties during the first quarter.

◦The Company completed the sale of its credit card portfolio and entered into a partnership to issue WSFS-branded credit cards. This portfolio had an outstanding book balance of $36.3 million at time of sale and the transaction resulted in a $1.6 million gain on sale and a $1.4 million release of provision for credit losses.

◦The Board of Directors approved an 18% increase in the quarterly cash dividend to $0.20 per share, along with an additional share repurchase authorization of 15% of our outstanding shares as of March 31, 2026.

◦WSFS repurchased 2,992,544 shares of common stock under the Company's share repurchase plans at an average price of $70.44 per share, for an aggregate purchase price of approximately $210.8 million, and paid quarterly dividends of $29.6 million, for a total capital return of $240.4 million.

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FINANCIAL CONDITION

Total assets increased $0.8 billion to $22.1 billion at September 30, 2026 compared to December 31, 2025. This increase is primarily comprised of the following:

•Loans and leases, net of allowance increased $375.0 million, primarily driven by growth in residential mortgages and C&I, partially offset by a decrease in consumer from the continued runoff of Spring EQ loans and the sale of the credit card portfolio.

•Total cash and cash equivalents increased $231.1 million, primarily due to increases in deposits.

•Other assets increased $131.8 million, primarily due to increases of $72.8 million in our derivatives from our Capital Markets business, $42.1 million in deferred taxes primarily due to decreased market values on available-for-sale investment securities, and $23.2 million from receivables due to the settlement timing of ACH payments.

•Total investment securities increased $106.3 million:

◦Investment securities, available-for-sale increased $148.9 million, primarily due to purchases of $694.2 million, partially offset by repayments, maturities and calls of $359.7 million and decreased market values of $186.8 million.

◦Investment securities, held-to-maturity decreased $42.6 million, primarily due to repayments, maturities and calls of $52.9 million, partially offset by $10.3 million of amortization of net unrealized losses on available-for-sale securities transferred to held-to-maturity.

•Other real estate owned increased $11.6 million, primarily due to the transfer of an existing nonperforming land development loan.

•Loans, held for sale decreased $40.2 million due to the retention of originated mortgage and SBA loans.

Total liabilities increased $0.9 billion to $19.5 billion at September 30, 2026 compared to December 31, 2025 primarily due to an increase in Client deposits. This deposit growth was primarily due to an increase in noninterest demand deposits, driven by Institutional Services and Commercial deposits.

For further information, see "Notes to the Consolidated Financial Statements (Unaudited)."

LIQUIDITY AND CAPITAL RESOURCES

Capital Resources

Stockholders’ equity of WSFS decreased $125.5 million to $2.6 billion at September 30, 2026 compared to December 31, 2025. This decrease was primarily due to $210.8 million for the repurchase of shares of common stock under our stock repurchase plan, an increase of $151.9 million in accumulated other comprehensive loss driven by market value decreases on available-for-sale investment securities and our cash flow hedges, and the payment of dividends on our common stock of $29.6 million, partially offset by $260.5 million of net income attributable to WSFS.

During the three months ended September 30, 2026, the Board of Directors approved a quarterly cash dividend of $0.20 per share of common stock. The dividend will be paid on November 20, 2026 to stockholders of record as of November 6, 2026.

Book value per share of common stock was $51.58 at September 30, 2026, an increase of $0.31 from $51.27 at December 31, 2025. Tangible book value per share of common stock (a non-GAAP financial measure) was $32.67 at September 30, 2026, a decrease of $0.44 from $33.11 at December 31, 2025. We believe tangible book value per common share helps management and investors better understand and assess changes from period to period in stockholders’ equity exclusive of changes in intangible assets. This non-GAAP measure should be considered in addition to results prepared in accordance with Generally Accepted Accounting Principles in the U.S. (GAAP), and is not a substitute for, or superior to, GAAP results. For a reconciliation of tangible book value per common share to book value per share in accordance with GAAP, see "Reconciliation of Non-GAAP Measure to GAAP Measure."

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The table below compares the Bank's and the Company’s consolidated capital position to the minimum regulatory requirements as of September 30, 2026:

						Consolidated Capital												Minimum For Capital Adequacy Purposes												To be Well-Capitalized Under Prompt Corrective Action Provisions
(Dollars in thousands)						Amount						Percent						Amount						Percent						Amount						Percent
Total Capital (to Risk-Weighted Assets)
Wilmington Savings Fund Society, FSB						$	2,463,320					14.88		%				$	1,324,030					8.00		%				$	1,655,037					10.00		%
WSFS Financial Corporation						2,563,449						15.47						1,325,236						8.00						1,656,545						10.00
Tier 1 Capital (to Risk-Weighted Assets)
Wilmington Savings Fund Society, FSB						2,263,887						13.68						993,022						6.00						1,324,030						8.00
WSFS Financial Corporation						2,275,625						13.74						993,927						6.00						1,325,236						8.00
Common Equity Tier 1 Capital (to Risk-Weighted Assets)
Wilmington Savings Fund Society, FSB						2,263,887						13.68						744,767						4.50						1,075,774						6.50
WSFS Financial Corporation						2,275,625						13.74						745,445						4.50						1,076,754						6.50
Tier 1 Leverage Capital
Wilmington Savings Fund Society, FSB						2,263,887						10.34						875,384						4.00						1,094,230						5.00
WSFS Financial Corporation						2,275,625						10.40						875,623						4.00						1,094,528						5.00

Under the prompt corrective action regime, regulators have established five capital tiers: well-capitalized, adequately-capitalized, under-capitalized, significantly under-capitalized, and critically under-capitalized. A depository institution’s capital tier depends on its capital levels in relation to various relevant capital measures, which include leverage and risk-based capital measures and certain other factors. Depository institutions that are not classified as well-capitalized are subject to various restrictions, which may include restrictions on capital distributions, payment of management fees, acceptance of brokered deposits and other operating activities.

Regulatory capital requirements for the Bank and the Company include a minimum common equity Tier 1 capital ratio of 4.50% of risk-weighted assets, a Tier 1 capital ratio of 6.00% of risk-weighted assets, a minimum total capital ratio of 8.00% of risk-weighted assets and a minimum Tier 1 leverage capital ratio of 4.00% of average assets. In order to avoid limits on capital distributions and discretionary bonus payments, the Bank and the Company must maintain a capital conservation buffer of 2.5% of common equity Tier 1 capital over each of the risk-based capital requirements. As of September 30, 2026, the Bank and the Company were in compliance with the regulatory capital requirements and met or exceeded the amounts required to be considered “well-capitalized” as defined in the regulations.

Not included in the Bank’s capital, the Company separately held $282.4 million in cash to support share repurchases, potential dividends, acquisitions, strategic growth plans and other general corporate purposes.

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Liquidity

We manage our liquidity and funding needs through our Treasury function and our Asset/Liability Committee. We have a policy that separately addresses liquidity, and management monitors our adherence to policy limits. Also, liquidity risk management is a primary area of examination by the banking regulators.

Funding sources to support growth and meet our liquidity needs include cash from operations, commercial, consumer, wealth and trust deposits, loan repayments, FHLB borrowings, repurchase agreements, access to the Federal Reserve Discount Window, and access to the brokered deposit market as well as other wholesale funding avenues. In addition, we have a large portfolio of high-quality, liquid investments, primarily short-duration mortgage-backed securities, that provide a near-continuous source of cash flow to meet current cash needs, or can be sold to meet larger discrete needs for cash. We believe these sources are sufficient to meet our funding needs as well as maintain required and prudent levels of liquidity over the next twelve months and beyond.

As of September 30, 2026, the Company had $1.9 billion in cash, cash equivalents, and restricted cash. Our estimated uninsured deposits were $7.9 billion, or 43% of total client deposits, and our estimated unprotected deposits (uninsured and uncollateralized) were $6.4 billion, or 35% of total client deposits.

As of September 30, 2026, the Company had a readily available, secured borrowing capacity of $6.1 billion from the FHLB and $2.0 billion through the Federal Reserve Discount Window. In addition, the Company had $1.4 billion of cash deposited with the Federal Reserve Bank and $0.7 billion in unpledged securities that could be used to support additional borrowings.

Our primary cash contractual obligations relate to operating leases, long-term debt, credit obligations, and data processing. At September 30, 2026, we had $153.1 million in total contractual payments for ongoing leases that have remaining lease terms of less than one year to 19 years, which includes renewal options that are exercised at our discretion. For additional information on our operating leases, see Note 7 to the unaudited Consolidated Financial Statements. At September 30, 2026, we had obligations for principal payments on long-term debt including $67.0 million for our trust preferred borrowings, due June 1, 2035, $25.0 million for our trust preferred borrowings due December 15, 2034, and $200.0 million for our senior debt due December 15, 2035. We are also contractually obligated to make interest payments on our long-term debt through their respective maturities.

Commitments to extend credit provide for financing on predetermined terms as long as the client continues to meet specific criteria. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being completely drawn upon, the total commitment amounts do not necessarily represent future cash requirements. At September 30, 2026, the Company had total commitments to extend credit, including cancellable commitments, of $4.3 billion, which are generally one-year commitments.

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NONPERFORMING ASSETS

Nonperforming assets include nonaccruing loans and other real estate owned (OREO). Nonaccruing loans are those on which we no longer accrue interest. Loans are placed on nonaccrual status immediately if, in the opinion of management, collection is doubtful, or when principal or interest is past due 90 days or more and the value of the collateral is insufficient to cover principal and interest. Interest accrued but not collected at the date a loan is placed on nonaccrual status is reversed and charged against interest income. In addition, the amortization of net deferred loan fees is suspended when a loan is placed on nonaccrual status. Subsequent cash receipts are applied either to the outstanding principal balance or recorded as interest income, depending on management’s assessment of the ultimate collectability of principal and interest. Past due loans shown in the table below are loans that are contractually past due 90 days or more as to principal or interest payments but which remain in accrual status because they are considered well secured and in the process of collection. Troubled loans are loans modified in the form of principal forgiveness, interest rate reduction, an other-than-insignificant payment delay, or a term extension to borrowers experiencing financial difficulty.

The following table shows our nonperforming assets, past due loans, and troubled loans at the dates indicated:

(Dollars in thousands)						September 30, 2026						December 31, 2025
Nonaccruing loans(1):
Commercial and industrial						$	29,774					$	27,060
Owner-occupied commercial						19,897						6,581
Commercial mortgages						5,287						7,565
Construction						7,243						22,381
Residential						5,109						5,002
Consumer						3,500						3,309
Total nonaccruing loans						70,810						71,898
Other real estate owned						11,846						200
Total nonperforming assets						$	82,656					$	72,098
Past due loans:
Commercial						$	7,426					$	12,237
Residential						260						133
Consumer(2)						8,032						10,046
Total past due loans						$	15,718					$	22,416
Troubled loans:
Commercial						$	105,387					$	142,613
Residential						1,796						226
Consumer						1,891						1,428
Total troubled loans						$	109,074					$	144,267
Ratio of allowance for credit losses to total loans and leases(3)						1.36		%				1.36		%
Ratio of nonaccruing loans to total gross loans and leases(4)						0.52						0.54
Ratio of nonperforming assets to total assets						0.37						0.34
Ratio of allowance for credit losses to nonaccruing loans						262						250
Ratio of allowance for credit losses to total nonperforming assets(5)						224						249

(1)Includes nonaccruing troubled loans.

(2)Includes U.S. government guaranteed student loans with little risk of credit loss.

(3)Reflects allowance for credit losses related to loans and leases over the amortized cost of the total portfolio.

(4)Total loans exclude loans held for sale and reverse mortgages.

(5)Excludes acquired purchase credit deteriorated loans.

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Nonperforming assets increased $10.6 million between December 31, 2025 and September 30, 2026. This increase was primarily driven by the addition of a student housing-related loan and an owner-occupied loan, partially offset by payoffs of C&I, multifamily, and office loans.

The following table summarizes the changes in nonperforming assets during the periods indicated:

						Nine Months Ended September 30,
(Dollars in thousands)						2026						2025
Beginning balance						$	72,098					$	127,385
Additions						87,074						60,563
Collections						(44,633)						(57,478)
Transfers to accrual						(547)						(1,230)
Charge-offs						(31,336)						(56,653)
Ending balance						$	82,656					$	72,587

The timely identification of problem loans is a key element in our strategy to manage our loan portfolio. Problem loans are all criticized, classified and nonperforming loans and other real estate owned. Timely identification enables us to take appropriate action and accordingly, minimize losses. An asset review system established to monitor the asset quality of our loans and investments in real estate portfolios facilitates the identification of problem assets. In general, this system uses guidelines established by federal regulation.

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INTEREST RATE SENSITIVITY

Our primary objective in managing interest rate risk is to minimize the adverse impact of changes in interest rates on net interest income and capital, while maximizing the yield/cost spread on our asset/liability structure. Interest rates are partly a function of decisions by the Federal Open Market Committee (FOMC) on the target range for the federal funds rate, and these decisions are sometimes difficult to anticipate. In September 2026, the FOMC increased the federal funds target rate by 25 basis points. In 2025, the FOMC lowered the federal funds target rate three times for a total of 75 basis points. In order to manage the risks associated with changes or possible changes in interest rates, we rely primarily on our asset/liability structure.

Our primary tool for achieving our asset/liability management strategies is to match maturities or repricing periods of interest rate-sensitive assets and liabilities to promote a favorable interest rate spread and mitigate exposure to fluctuations in interest rates. We regularly review our interest rate sensitivity and adjust the sensitivity within acceptable tolerance ranges. At September 30, 2026, interest-earning assets exceeded interest-bearing liabilities that mature or reprice within one year (interest-sensitive gap) by $0.7 billion. When including the impact of cash flow hedges, our interest-sensitive assets as a percentage of interest-sensitive liabilities within the one-year window was 107.50% and the one-year interest-sensitive gap as a percentage of total assets was 3.02% at September 30, 2026 compared with 103.26% and 1.33% at December 31, 2025, respectively.

Market risk is the risk of loss from adverse changes in market prices and rates. Our market risk arises primarily from interest rate risk inherent in our lending, investing, and funding activities. To that end, we actively monitor and manage our interest rate risk exposure. One measure evaluates the impact of an immediate change in interest rates in 100 basis point increments on the economic value of equity ratio. The economic value of the equity ratio is defined as the economic value of the estimated cash flows from assets and liabilities as a percentage of economic value of cash flows from total assets.

The following table shows the estimated impact of immediate changes in interest rates on our net interest income and economic value of equity ratio at the specified levels at September 30, 2026 and December 31, 2025:

 

						September 30, 2026												December 31, 2025
% Change in Interest Rate (Basis Points)						% Change in Net Interest Income(1)						Economic Value of Equity(2)(3)						% Change in Net Interest Income(1)						Economic Value of Equity(2)(3)
+300						16.7%						21.34%						19.7%						19.98%
+200						11.2%						21.78%						13.4%						20.20%
+100						5.5%						22.07%						7.0%						20.36%
+50						2.7%						22.15%						4.1%						20.39%
+25						1.3%						22.18%						2.7%						20.37%
—						—%						22.19%						—%						19.92%
-25						(0.7)%						22.22%						(0.7)%						19.90%
-50						(1.2)%						22.22%						(1.3)%						19.81%
-100						(2.2)%						22.20%						(2.5)%						19.60%
'-200						(4.3)%						21.80%						(5.1)%						18.90%
'-300						(6.7)%						20.90%						(7.5)%						17.60%

(1)The percentage difference between net interest income in a stable interest rate environment and net interest income as projected under the various rate change environments.

(2)The economic value of equity ratio in a stable interest rate environment and the economic value of equity ratio as projected under the various rate change environments.

(3)During the first quarter of 2026, the Company revised its economic value of equity methodology to exclude goodwill and intangible assets to better reflect the Company's underlying interest rate risk profile.

We also engage in other business activities that are sensitive to changes in interest rates. For example, mortgage banking revenues and expenses can fluctuate with changing interest rates. These fluctuations are difficult to model and estimate.

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RESULTS OF OPERATIONS

Net Interest Income

The following tables provide information concerning the average balances, yields and rates on interest-earning assets and interest-bearing liabilities during the periods indicated:

						Three months ended September 30,
						2026																		2025
(Dollars in thousands)						Average Balance						Interest						Yield/ Rate(1)						Average Balance						Interest						Yield/ Rate(1)
Assets:
Interest-earning assets:
Loans:(2)
Commercial and industrial						$	4,944,975					$	76,763					6.18		%				$	4,609,091					$	74,136					6.38		%
Commercial real estate loans(3)						4,910,602						77,832						6.29						4,831,359						82,914						6.81
Commercial leases						586,544						12,595						8.59						620,096						13,586						8.76
Residential loans						1,276,935						18,074						5.66						1,002,442						13,711						5.47
Consumer loans						1,810,352						28,012						6.14						1,908,700						32,548						6.77
Loans held for sale						25,675						408						6.30						75,418						1,355						7.13
Total loans and leases						13,555,083						213,684						6.26						13,047,106						218,250						6.64
Mortgage-backed securities(4)						4,395,451						30,392						2.77						4,090,178						24,202						2.37
Investment securities(4)						358,714						2,137						2.69						366,450						2,180						2.66
Other interest-earning assets						1,844,939						17,692						3.80						1,227,761						13,789						4.46
Total interest-earning assets						$	20,154,187					$	263,905					5.21		%				$	18,731,495					$	258,421					5.48		%
Allowance for credit losses						(185,294)																		(190,837)
Cash and due from banks						523,758																		570,022
Other noninterest-earning assets						1,907,015																		1,924,418
Total assets						$	22,399,666																	$	21,035,098
Liabilities and Stockholders’ Equity:
Interest-bearing liabilities:
Interest-bearing deposits:
Interest-bearing demand						$	2,856,067					$	6,970					0.97		%				$	2,825,284					$	7,870					1.11		%
Savings						1,368,308						1,444						0.42						1,433,399						1,723						0.48
Money market						6,007,946						39,889						2.63						5,581,010						42,378						3.01
Time deposits						1,870,707						14,327						3.04						2,077,815						19,214						3.67
Total interest-bearing client deposits						12,103,028						62,630						2.05						11,917,508						71,185						2.37
Brokered deposits						11						—						—						—						—						—
Total interest-bearing deposits						12,103,039						62,630						2.05						11,917,508						71,185						2.37
Federal Home Loan Bank advances						49,457						495						3.92						50,215						586						4.63
Trust preferred borrowings						91,145						1,390						6.05						90,952						1,524						6.65
Senior and subordinated debt						197,074						2,775						5.63						148,766						1,089						2.93
Other borrowed funds(5)						25,421						21						0.33						16,504						14						0.34
Total interest-bearing liabilities						$	12,466,136					$	67,311					2.14		%				$	12,223,945					$	74,398					2.41		%
Noninterest-bearing demand deposits						6,561,908																		5,493,161
Other noninterest-bearing liabilities						660,398																		633,625
Stockholders’ equity of WSFS						2,721,973																		2,694,883
Noncontrolling interest						(10,749)																		(10,516)
Total liabilities and stockholders’ equity						$	22,399,666																	$	21,035,098
Excess of interest-earning assets over interest-bearing liabilities						$	7,688,051																	$	6,507,550
Net interest income												$	196,594																	$	184,023
Interest rate spread																		3.07		%																3.07		%
Net interest margin																		3.88		%																3.91		%

(1)Weighted average yields for tax-exempt securities and loans have been computed on a tax-equivalent basis.

(2)Average balances are net of unearned income and include nonperforming loans.

(3)Includes commercial mortgage and commercial construction loans.

(4)Includes securities available-for-sale at fair value.

(5)Includes federal funds purchased.

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						Nine months ended September 30,
						2026																		2025
(Dollars in thousands)						Average Balance						Interest						Yield/ Rate(1)						Average Balance						Interest						Yield/ Rate(1)
Assets:
Interest-earning assets:
Loans:(2)
Commercial and industrial						$	4,829,725					$	220,704					6.13		%				$	4,613,461					$	221,740					6.43		%
Commercial real estate loans						4,925,220						229,966						6.24						4,840,284						240,409						6.64
Commercial leases						584,792						38,005						8.67						629,260						41,320						8.76
Residential loans						1,170,088						48,486						5.53						977,984						39,448						5.38
Consumer loans						1,845,153						86,748						6.29						1,988,701						104,293						7.01
Loans held for sale						56,684						3,224						7.60						74,378						3,797						6.83
Total loans and leases						13,411,662						627,133						6.26						13,124,068						651,007						6.64
Mortgage-backed securities(3)						4,291,976						83,609						2.60						4,139,236						73,478						2.37
Investment securities						363,472						6,465						2.71						365,517						6,552						2.70
Other interest-earning assets						1,872,829						52,743						3.77						936,264						31,452						4.49
Total interest-earning assets						$	19,939,939					$	769,950					5.17		%				$	18,565,085					$	762,489					5.50		%
Allowance for credit losses						(184,383)																		(191,836)
Cash and due from banks						535,313																		571,960
Other noninterest-earning assets						1,893,817																		1,947,488
Total assets						$	22,184,686																	$	20,892,697
Liabilities and Stockholders’ Equity:
Interest-bearing liabilities:
Interest-bearing deposits:
Interest-bearing demand						$	2,827,203					$	19,279					0.91		%				$	2,836,292					$	22,550					1.06		%
Savings						1,377,842						3,779						0.37						1,445,233						4,928						0.46
Money market						5,906,133						114,896						2.60						5,484,387						124,531						3.04
Client time deposits						1,908,780						43,867						3.07						2,094,824						60,404						3.86
Total interest-bearing client deposits						12,019,958						181,821						2.02						11,860,736						212,413						2.39
Brokered deposits						4						—						—						—						—						—
Total interest-bearing deposits						12,019,962						181,821						2.02						11,860,736						212,413						2.39
Federal Home Loan Bank advances						47,985						1,425						3.92						72,557						2,473						4.56
Trust preferred borrowings						91,099						4,115						6.04						90,903						4,565						6.71
Senior and subordinated debt						196,997						8,306						5.62						167,940						4,252						3.38
Other borrowed funds(4)						23,217						53						0.31						22,488						52						0.31
Total interest-bearing liabilities						$	12,379,260					$	195,720					2.11		%				$	12,214,624					$	223,755					2.45		%
Noninterest-bearing demand deposits						6,434,842																		5,325,622
Other noninterest-bearing liabilities						639,935																		701,180
Stockholders’ equity of WSFS						2,741,236																		2,661,709
Noncontrolling interest						(10,587)																		(10,438)
Total liabilities and stockholders’ equity						$	22,184,686																	$	20,892,697
Excess of interest-earning assets over interest-bearing liabilities						$	7,560,679																	$	6,350,461
Net interest and dividend income												$	574,230																	$	538,734
Interest rate spread																		3.06		%																3.05		%
Net interest margin																		3.86		%																3.89		%

(1)Weighted average yields for tax-exempt securities and loans have been computed on a tax-equivalent basis.

(2)Average balances are net of unearned income and include nonperforming loans.

(3)Includes securities available-for-sale at fair value.

(4)Includes federal funds purchased.

Three months ended September 30, 2026: During the three months ended September 30, 2026, net interest income increased $12.6 million from the three months ended September 30, 2025 primarily driven by lower deposit costs and higher average loan balances. These increases were partially offset by lower loan yields as a result of three 25bp Federal Funds Rate cuts that occurred in 2025. Net interest margin was 3.88% for the third quarter of 2026, a 3 basis point decrease compared to 3.91% for the third quarter of 2025. The decrease was primarily due to the impact of the three interest rate cuts that occurred in 2025, partially offset by higher investment yields and favorable balance sheet mix.

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Nine months ended September 30, 2026: During the nine months ended September 30, 2026, net interest income increased $35.5 million from the nine months ended September 30, 2025. Net interest margin was 3.86% for the nine months ended September 30, 2026, a 3 basis point decrease compared to 3.89% for the nine months ended September 30, 2025. The increase in net interest income and the decrease in net interest margin were due to the reasons mentioned above.

Allowance for Credit Losses

We maintain the allowance for credit losses at an appropriate level based on our assessment of estimable and expected losses related to various portfolios subject to credit risk. Our allowance for credit losses (ACL) is based on our historical loss experience that includes the inherent risk of our loans and leases, HTM securities, and other account receivables, along with various other factors including but not limited to, collateral values, trends in asset quality, level of delinquent loans and concentrations, consideration of past events, current conditions, and reasonable and supportable forecasts. Further, regional and national economic forecasts are considered in our expected credit losses on loans and leases. Our evaluation is based on a review of the portfolio and requires significant, complex and difficult judgments.

During the three months ended September 30, 2026, we recorded a provision for credit losses of $8.4 million, an increase of $1.8 million, compared to $6.6 million for the three months ended September 30, 2025. The current quarter provision for credit losses was driven by a specific reserve on a student housing-related loan. The increase compared to the prior year was primarily driven by higher charge-offs during the three months ended September 30, 2025.

During the nine months ended September 30, 2026, we recorded a provision for credit losses of $11.4 million, a decrease of $25.1 million, compared to $36.5 million for the nine months ended September 30, 2025. The current year-to-date provision was primarily driven by loan growth and the previously mentioned specific reserve, partially offset by a $15.7 million recovery of C&I loans to a fund invested in office properties that were charged-off in the first quarter of 2025. The decrease compared to the prior year was primarily driven by the aforementioned recovery as well as impacts to the prior year from specific reserves on two nonperforming loans and an adjustment for the ACL for accounts receivable.

The total allowance for credit losses increased to $187.9 million at September 30, 2026 from $182.5 million at December 31, 2025. The ratio of allowance for credit losses to total loans and leases was 1.36% at September 30, 2026 and December 31, 2025.

The following tables detail the allocation of the ACL related to loans and leases and show our net charge-offs (recoveries) by portfolio category:

(Dollars in thousands)						Commercial and Industrial						Owner- occupied Commercial						Commercial Mortgages						Construction						Commercial Small Business Leases						Residential(1)						Consumer(2)						Total
As of September 30, 2026
Allowance for credit losses						$	60,683					$	9,034					$	49,082					$	13,242					$	16,065					$	5,983					$	31,149					$	185,238
% of ACL to total ACL						33		%				5		%				26		%				7		%				9		%				3		%				17		%				100		%
Loan portfolio balance						$	2,975,080					$	2,040,299					$	3,884,727					$	1,004,871					$	593,112					$	1,327,823					$	1,812,800					$	13,638,712
% to total loans and leases						22		%				15		%				29		%				7		%				4		%				10		%				13		%				100		%
Three months ended September 30, 2026
Charge-offs						$	(3,928)					$	(311)					$	—					$	(700)					$	(2,588)					$	—					$	(1,005)					$	(8,532)
Recoveries						4,992						1						2,827						—						748						41						491						9,100
Net recoveries (charge-offs)						$	1,064					$	(310)					$	2,827					$	(700)					$	(1,840)					$	41					$	(514)					$	568
Average loan balance						$	2,973,033					$	1,971,942					$	3,861,839					$	1,048,762					$	586,544					$	1,273,141					$	1,810,352					$	13,525,613
Ratio of net (recoveries) charge-offs to average gross loans						(0.14)		%				0.06		%				(0.29)		%				0.26		%				1.24		%				(0.01)		%				0.11		%				(0.02)		%
Nine months ended September 30, 2026
Charge-offs						$	(13,334)					$	(609)					$	(1,740)					$	(4,435)					$	(7,925)					$	—					$	(4,140)					$	(32,183)
Recoveries						21,629						13						3,361						—						2,318						135						1,640						29,096
Net recoveries (charge-offs)						$	8,295					$	(596)					$	1,621					$	(4,435)					$	(5,607)					$	135					$	(2,500)					$	(3,087)
Average loan balance						$	2,881,969					$	1,947,757					$	3,888,184					$	1,037,036					$	584,792					$	1,166,282					$	1,845,153					$	13,351,173
Ratio of net (recoveries) charge-offs to average gross loans						(0.38)		%				0.04		%				(0.06)		%				0.57		%				1.28		%				(0.02)		%				0.18		%				0.03		%

(1)Excludes reverse mortgages.

(2)Includes home equity lines of credit, installment loans unsecured lines of credit and education loans.

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(Dollars in thousands)						Commercial and Industrial						Owner- occupied Commercial						Commercial Mortgages						Construction						Commercial Small Business Leases						Residential(1)						Consumer(2)						Total
As of December 31, 2025
Allowance for credit losses						$	52,927					$	7,626					$	48,047					$	13,264					$	16,449					$	6,764					$	34,570					$	179,647
% of ACL to total ACL						30		%				4		%				27		%				7		%				9		%				4		%				19		%				100		%
Loan portfolio balance						$	2,796,654					$	1,937,339					$	3,916,159					$	1,023,911					$	603,321					$	1,086,102					$	1,894,460					$	13,257,946
% to total loans and leases						20		%				15		%				30		%				8		%				5		%				8		%				14		%				100		%
Year ended December 31, 2025
Charge-offs						$	(32,120)					$	(215)					$	(4,583)					$	(4,900)					$	(14,386)					$	—					$	(18,863)					$	(75,067)
Recoveries						4,894						19						622						—						2,959						188						6,980						15,662
Net (charge-offs) recoveries						$	(27,226)					$	(196)					$	(3,961)					$	(4,900)					$	(11,427)					$	188					$	(11,883)					$	(59,405)
Average loan balance						$	2,671,383					$	1,944,563					$	3,940,590					$	918,878					$	623,005					$	993,870					$	1,965,557					$	13,057,846
Ratio of net charge-offs (recoveries) to average gross loans						1.02		%				0.01		%				0.10		%				0.53		%				1.83		%				(0.02)		%				0.60		%				0.45		%

(1)Excludes reverse mortgages.

(2)Includes home equity lines of credit, installment loans unsecured lines of credit and education loans.

See Note 6 to the unaudited Consolidated Financial Statements and "Nonperforming Assets" above for further information.

Noninterest Income

Three months ended September 30, 2026: During the three months ended September 30, 2026, noninterest income was $91.0 million, an increase of $4.5 million from $86.5 million during the three months ended September 30, 2025. The increase was driven by $12.4 million of higher Wealth and Trust fees, including WSFS Institutional Services®, BMT-DE, and Private Wealth Management. These increases were partially offset by a $3.6 million decrease in Cash Connect®, primarily due to the impact of interest rates and lower ATM volumes, and lower fees from mortgage and SBA loans as we retained more of our originated loans.

Nine months ended September 30, 2026: During the nine months ended September 30, 2026, noninterest income was $271.1 million, an increase of $15.7 million from $255.4 million during the nine months ended September 30, 2025. This increase was primarily driven by $30.4 million of higher Wealth and Trust fees, partially offset by a $8.4 million decrease in Cash Connect® for the reasons mentioned above, a $4.1 million impairment of one of our equity investments, and $2.3 million of earnout revenue from Spring EQ recognized in the prior year.

For further information, see Note 2 to the unaudited Consolidated Financial Statements.

Noninterest Expense

Three months ended September 30, 2026: During the three months ended September 30, 2026, noninterest expense was $161.6 million, a decrease of $1.5 million from $163.1 million for the three months ended September 30, 2025. The decrease was primarily due to a $5.5 million decrease in other operating expense primarily driven by lower external fraud losses and Cash Connect® external funding costs as well as a $1.4 million decrease in professional fees primarily driven by a recovery of previously incurred legal expenses. These decreases were partially offset by a $2.2 million increase in salaries and benefits primarily related to merit increases, a $1.7 million increase in equipment expenses from client transaction costs in Wealth and Trust and continued investment in technology across the franchise, as well as a $1.3 million increase in loan workout and other credit costs primarily due to the write-down of an existing OREO property.

Nine months ended September 30, 2026: During the nine months ended September 30, 2026, noninterest expense was $490.6 million, an increase of $16.4 million from $474.2 million for the nine months ended September 30, 2025. The increase was primarily due to $18.2 million of higher salaries and benefits due to higher performance-based incentives and higher medical costs, $3.7 million of higher loan workout and other credit costs including the OREO write-down mentioned above, and $2.2 million of higher restructuring costs due to a loss on a property sale and a write-down of held-for-sale real estate, partially offset by an $8.8 million decrease in other operating expense driven by lower Cash Connect® external funding costs.

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Income Taxes

We and our subsidiaries file a consolidated federal income tax return and separate state income tax returns. Income taxes are accounted for in accordance with ASC 740, Income Taxes, which requires the recording of deferred income taxes for tax consequences of temporary differences. We recorded income tax expense of $28.3 million and $82.7 million during the three and nine months ended September 30, 2026, respectively, compared to income tax expense of $24.4 million and $68.8 million for the same periods in 2025. The increase for the three and nine months ended September 30, 2026 compared to the same periods in 2025 was primarily due to higher income before taxes in 2026.

Our effective tax rate was 24.1% for both the three and nine months ended September 30, 2026 compared to 24.2% and 24.3% for the three and nine months ended September 30, 2025, respectively. The reduction was primarily due to increased federal tax credits.

The effective tax rate reflects the recognition of certain tax benefits in the financial statements including those benefits from tax-exempt interest income, federal low-income housing tax credits, renewable energy tax credits, research and development tax credits, historic tax credits and excess tax benefits from recognized stock compensation. These tax benefits are offset by the tax effect of stock-based compensation expense and a provision for state income tax expense. We frequently analyze our projections of taxable income and make adjustments to our provision for income taxes accordingly.

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RECONCILIATION OF NON-GAAP MEASURE TO GAAP MEASURE

The following table provides a reconciliation of tangible book value per share of common stock to book value per share of common stock, the most directly comparable GAAP financial measure. We believe this measure helps management and investors better understand and assess changes from period to period in stockholders’ equity exclusive of changes in intangible assets. This non-GAAP measure should be considered in addition to results prepared in accordance with GAAP, and is not a substitute for, or superior to, GAAP results.

(Dollars and share amounts in thousands, except per share amounts)						September 30, 2026						December 31, 2025
Stockholders’ equity of WSFS						$	2,613,043					$	2,738,545
Less: Goodwill and other intangible assets						958,111						969,903
Tangible common equity (numerator)						$	1,654,932					$	1,768,642
Shares of common stock outstanding (denominator)						50,660						53,410
Book value per share of common stock						$	51.58					$	51.27
Goodwill and other intangible assets						18.91						18.16
Tangible book value per share of common stock						$	32.67					$	33.11

CRITICAL ACCOUNTING ESTIMATES

The preparation of the unaudited Consolidated Financial Statements in accordance with U.S. GAAP requires us to make estimates and assumptions affecting the reported amounts of assets, liabilities, revenue and expenses. We regularly evaluate these estimates and assumptions including those related to the allowance for credit losses, business combinations, deferred taxes, fair value measurements and goodwill and other intangible assets. We base our estimates on historical experience and various other factors and assumptions that are believed to be reasonable under the circumstances. These form the basis for making judgments on the carrying value of certain assets and liabilities that are not readily apparent from other sources. Actual results may differ from these estimates. Although our current estimates contemplate current economic conditions and how we expect them to change in the future, for the remainder of 2026, it is possible that actual conditions may be worse than anticipated in those estimates, which could materially affect our results of operations and financial condition. Actual results may differ from these estimates under different assumptions or conditions.

Critical accounting estimates at September 30, 2026 did not significantly change from our critical accounting estimates at December 31, 2025, which are disclosed in our Annual Report on Form 10-K for the year ended December 31, 2025.

RECENT LEGISLATIVE AND REGULATORY DEVELOPMENTS

Recent legislative and regulatory developments at September 30, 2026 did not significantly change from our recent legislative and regulatory developments at December 31, 2025, which are disclosed in our Annual Report on Form 10-K for the year ended December 31, 2025, except as noted below.

Community Reinvestment Act

All savings associations and banks are subject to the Community Reinvestment Act (CRA), which requires federal banking regulators to use their supervisory authority to encourage such institutions to help meet the credit needs of the communities within the institution’s assessment area. The CRA does not impose specific lending requirements, and it does not contemplate that a savings association or bank would take any action inconsistent with safety and soundness. The federal banking agencies evaluate the performance of each of their regulated institutions periodically. Evaluations that result in a conclusion of “Needs to Improve” or “Substantial Non-Compliance” may block or impede regulatory approvals for other actions by an institution.

The Bank received a rating of “Satisfactory” in its most recent performance evaluation.

On October 24, 2023, the Federal Reserve, FDIC, and OCC issued a final rule revising their framework for evaluating banks’ records of community reinvestment under the CRA. Under the revised framework, banks with assets of at least $2 billion, such as the Bank, are considered large banks and their retail lending, retail services and products, community development financing, and community development services will be subject to periodic evaluation. Depending on a large bank’s geographic distribution of lending, the evaluation of retail lending may include assessment areas in which the bank extends loans but does not operate any deposit-taking facilities, in addition to assessment areas in which the bank has deposit taking facilities. Industry organizations have challenged the final rule in court, and on March 29, 2024, the United States District Court for the Northern District of Texas granted an injunction and stay of the final rule. On July 16, 2025, the Federal Reserve, FDIC, and OCC issued a notice of proposed rulemaking to rescind the October 24, 2023 final rule implementing the CRA and to replace it with the prior CRA regulations that were originally adopted by the agencies in 1995, with certain amendments. On July 1, 2026, the OCC and FDIC filed an unopposed motion to dismiss their appeal of the District Court’s injunction against their 2023 CRA

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rules. That motion was granted, and the agencies’ appeal was dismissed on July 9, 2026. On July 31, 2026, the OCC and FDIC issued a notice of proposed rulemaking to amend the CRA rules, proposing targeted revisions to the current rules that leaves in place much of the framework that has existed since 1995.

Item 3.     Quantitative and Qualitative Disclosures About Market Risk

The information required by this Item is incorporated herein by reference to the information provided in Part I Item 2 (Interest Rate Sensitivity) of this Quarterly Report on Form 10-Q.

Item 4.     Controls and Procedures

(a)Evaluation of disclosure controls and procedures. Based on their evaluation of our disclosure controls and procedures (as defined in Rule 13a-15(e) under the Securities Exchange Act of 1934), our principal executive officer and principal financial officer have concluded that as of the end of the period covered by this Quarterly Report on Form 10-Q such disclosure controls and procedures are effective to ensure that information required to be disclosed by us in the reports that we file or submit under the Securities Exchange Act of 1934, as amended, is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission’s rules and forms.

(b)Changes in internal control over financial reporting. There were no changes in our internal control over financial reporting that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting during the three months ended September 30, 2026.

Part II. OTHER INFORMATION

Item 1.    Legal Proceedings

The information required by this Item is incorporated herein by reference to the information provided in Note 16 – Legal and Other Proceedings to the unaudited Consolidated Financial Statements.

Item 1A. Risk Factors

There have not been any material changes to the risk factors previously disclosed under Item 1A of the Company’s Annual Report on Form 10-K for the year ended December 31, 2025.

Item 2.    Unregistered Sales of Equity Securities and Use of Proceeds

During the second quarter of 2025, the Board of Directors of the Company approved an incremental authorization to repurchase 5,769,334 shares of common stock, or 10% of its outstanding shares as of March 31, 2025. During the second quarter of 2026, the Board of Directors of the Company approved an incremental authorization to repurchase 7,822,396 shares of common stock, or 15% of its outstanding shares as of March 31, 2026. Under the plans, repurchases may be made from time to time in the open market or through negotiated transactions, subject to market conditions and other factors, and in accordance with applicable securities laws. The plans are consistent with our intent to optimize capital levels through a mix of dividends and share repurchases while maintaining capital ratios in excess of “well-capitalized” regulatory benchmarks and targeting a corporate common equity Tier 1 capital ratio of approximately 12%.

The following table represents information with respect to repurchases of common stock made by the Company during the three months ended September 30, 2026.

Month						Total Number of Shares Purchased						Average Price Paid Per Share						Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs						Maximum Number of Shares that May Yet Be Purchased Under the Plans or Programs
July 1, 2026 - July 31, 2026						297,970						$	78.90					297,970						8,902,059
August 1, 2026 - August 31, 2026						387,000						80.31						387,000						8,515,059
September 1, 2026 - September 30, 2026						64,000						78.59						64,000						8,451,059
Total						748,970						$	79.60					748,970

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Item 3.    Defaults upon Senior Securities

None.

Item 4.    Mine Safety Disclosures

Not applicable.

Item 5.    Other Information

During the period covered by this Quarterly Report on Form 10-Q, no director or officer of the Company adopted, modified or terminated a "Rule 10b5-1 trading arrangement" or "non-Rule 10b5-1 trading arrangement," as each term is defined in Item 408(a) of Regulation S-K.

Item 6.     Exhibits

 

Exhibit Number						Description of Document
31.1						Certification of CEO pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
31.2						Certification of CFO pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
32*						Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
101.INS						XBRL Instance Document
101.SCH						XBRL Schema Document
101.CAL						XBRL Calculation Linkbase Document
101.LAB						XBRL Labels Linkbase Document
101.PRE						XBRL Presentation Linkbase Document
101.DEF						XBRL Definition Linkbase Document
104						Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.

* Furnished and not filed.

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

						WSFS FINANCIAL CORPORATION
Date: November 3, 2026						/s/ Rodger Levenson
						Rodger Levenson
						Chairman, President and Chief Executive Officer
Date: November 3, 2026						/s/ David Burg
						David Burg
						Executive Vice President, Chief Financial Officer

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