# EDGAR Filing Document

**Accession Number:** 0000828944
**File Stem:** 0000828944-26-000003
**Filing Date:** 2026-1
**Character Count:** 139268
**Document Hash:** 93df2f003f7c4210fb9a16a032f0d7e3
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000828944-26-000003.hdr.sgml**: 20260126

**ACCESSION NUMBER**: 0000828944-26-000003

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 57

**CONFORMED PERIOD OF REPORT**: 20260126

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260126

**DATE AS OF CHANGE**: 20260126

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WSFS FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0000828944
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 222866913
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-35638
- **FILM NUMBER:** 26560604

**BUSINESS ADDRESS:**
- **STREET 1:** 500 DELAWARE AVENUE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 3027926000

**MAIL ADDRESS:**
- **STREET 1:** 500 DELAWARE AVENUE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** STAR STATES CORP
- **DATE OF NAME CHANGE:** 19920703

?xml version='1.0' encoding='ASCII'? wsfs-20260126

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K** 

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d)**

**of the Securities Exchange Act of 1934**

**January 26, 2026** 

**Date of Report**

**(Date of Earliest Event Reported)** 

**<u>WSFS Financial Corporation</u>** 

**(Exact Name of Registrant as Specified in its Charter)**

---

| | | |
|:---|:---|:---|
| **Delaware** | **001-35638** | **22-2866913** |
| **(State or Other Jurisdiction<br>of incorporation)** | **(SEC Commission<br>File Number)** | **(IRS Employer<br>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)**

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

---

| | | |
|:---|:---|:---|
| Securities registered pursuant to Section 12(b) of the Act: | Securities registered pursuant to Section 12(b) of the Act: | 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 is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 40.12b-2).

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. ☐

------

**<u>Item 2.02 Results of Operation and Financial Condition</u>**

On January 26, 2026, WSFS Financial Corporation (the "Registrant") issued a press release to report earnings for the quarter ended December 31, 2025. A copy of the press release is furnished with this Form 8-K as Exhibit 99.1.

This information (including Exhibit 99.1) is being furnished under Item 2.02 hereof and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, and such information shall not be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended (the "Securities Act"), or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

**<u>Item 7.01 Regulation FD Disclosures</u>**

The attached presentation contains information that the members of the Registrant's management will use during visits with investors, analysts, and other interested parties to assist their understanding of the Registrant from time to time throughout the first quarter of 2026. Other presentations and related materials will be made available as they are presented during the year. A copy of the earnings release supplement is furnished with this Form 8-K as Exhibit 99.2.

This information (including Exhibit 99.2) is being furnished under Item 7.01 hereof and shall not be deemed "filed" for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities of that section, and such information shall not be deemed incorporated by reference into any filing under the Securities Act, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

**<u>Item 9.01 Financial Statements and Other Exhibits</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***(d) Exhibits.***

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[99.1 Press Release, dated January 26, 2026](exhibit991earningsrelease1.htm)</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[99.2 4Q 2025 Earnings Release Supplement, dated January 26, 2026](a4q25supplement12626fina.htm)</u>

------

**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, hereunto duly authorized.

---

| | | | |
|:---|:---|:---|:---|
| | | **WSFS FINANCIAL CORPORATION** | **WSFS FINANCIAL CORPORATION** |
| Date: | January 26, 2026 | By: | /s/ David Burg |
|  |  |  | David Burg<br>Executive Vice President, Chief Financial Officer |

---

## Exhibit 99.1

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 1 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

---

| | |
|:---|:---|
| | **EXHIBIT 99.1** |
| **FOR IMMEDIATE RELEASE** | Investor Relations Contact: Andrew Basile |
|  | (302) 504-9857; abasile@wsfsbank.com |
| January 26, 2026 | Media Contact: Connor Peoples |
|  | (215) 864-5645; cpeoples@wsfsbank.com |

---

**WSFS REPORTS 4Q 2025 EPS OF $1.34 AND ROA OF 1.33%** 

**RESULTS DRIVEN BY LOAN AND DEPOSIT GROWTH**

**2025 FULL-YEAR EPS OF $5.09 AND ROA OF 1.36%**

**Wilmington, DE** — WSFS Financial Corporation (Nasdaq: WSFS), the parent company of WSFS Bank, today announced its financial results for the full year and fourth quarter of 2025.

Selected financial results and metrics are as follows:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *(Dollars in millions, except per share data)* | **4Q 2025** | 3Q 2025 | 4Q 2024 | **2025** | 2024 |
| Net interest income | $**187.4** | $184 | $178.2 | $**726.1** | $705.4 |
| Fee revenue | **84.5** | 86.5 | 83.3 | **339.9** | 340.9 |
| Total net revenue | **271.9** | 270.5 | 261.5 | **1066.0** | 1046.4 |
| Provision for credit losses | **12.7** | 6.6 | 8.0 | **49.2** | 61.4 |
| Noninterest expense | **162.0** | 163.1 | 169.1 | **636.2** | 637.7 |
| Net income attributable to WSFS | **72.7** | 76.4 | 64.2 | **287.3** | 263.7 |
| Pre-provision net revenue (PPNR)<sup>(1)</sup> | **109.9** | 107.4 | 92.4 | **429.8** | 408.7 |
| Earnings per share (EPS) (diluted) | **1.34** | 1.37 | 1.09 | **5.09** | 4.41 |
| Return on average assets (ROA) (a) | **1.33%** | 1.44% | 1.21% | **1.36%** | 1.27% |
| Return on average equity (ROE) (a) | **10.5** | 11.3 | 9.7 | **10.7** | 10.4 |
| Fee revenue as % of total net revenue | **31.0** | 31.9 | 31.8 | **31.8** | 32.5 |
| Efficiency ratio | **59.5** | 60.2 | 64.6 | **59.6** | 60.9 |

---

See "Notes"

GAAP results for the periods shown include items that are excluded from core results. Below is a summary of the financial effects of these items. In 4Q 2025, these items include an unrealized write-down of an equity investment, an increase to our Visa B derivative liability, and early extinguishment of senior debt. For additional detail, refer to the Non-GAAP Reconciliation in the back of this earnings release.

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **4Q 2025** | **4Q 2025** | 3Q 2025 | 3Q 2025 | 4Q 2024 | 4Q 2024 | **2025** | **2025** | 2024 | 2024 |
| *(Dollars in millions, except per share data)* | **Total (pre-tax)** | **Per share (after-tax)** | Total (pre-tax) | Per share (after-tax) | Total (pre-tax) | Per share (after-tax) | **Total (pre-tax)** | **Per share (after-tax)** | Total (pre-tax) | Per share (after-tax) |
| Fee revenue | $**(5.6)** | $**(0.08)** | $(1.5) | $(0.02) | $0.1 | $— | $**(7.0)** | $**(0.10)** | $5.1 | $0.06 |
| Noninterest expense | **1.1** | **0.02** | 0.9 | 0.01 | 2.1 | 0.03 | **2.0** | **0.03** | 3.4 | 0.04 |
| Income tax impacts | **(1.6)** | **(0.03)** | (0.6) | (0.01) | (0.4) | (0.01) | **(2.1)** | **(0.04)** | 0.5 | 0.01 |

---

<sup>(1)</sup> As used in this press release, PPNR is a non-GAAP financial measure that adjusts net income determined in accordance with GAAP to exclude the impacts of (i) income tax provision and (ii) provision for credit losses. For a reconciliation of this and other non-GAAP financial measures to their most directly comparable GAAP measures, see "Non-GAAP Reconciliation" at the end of the press release.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 2 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**CEO Commentary**

Rodger Levenson, Chairman, CEO and President, said, "2025 was a very successful year for WSFS. Tangible book value per share<sup>(2)</sup> increased 21% to $33.11, full-year core EPS<sup>(2)</sup> of $5.21 represented a 19% increase from the prior year, and core ROA<sup>(2)</sup> of 1.39% increased 13bps when compared with 2024. These results reflect growth across all of our businesses, underscoring our diversified business model.

"Our fourth quarter results were strong, with a core EPS of $1.43, reflecting 29% year-over-year growth and a core ROA of 1.42%, an increase of 18bps year-over-year.

"These quarterly results were driven by strong performance in our fee-based businesses, led by 13% year-over-year growth in Wealth and Trust. In addition, we had the highest quarterly Commercial loan funding in over two years, led by C&I as we continue to take market share and support ongoing client investment.

"Overall, WSFS enters 2026 with positive momentum as we move into the second year of our Strategic Plan. Finally, a special thank you to our over 2,300 highly talented Associates for their commitment and dedication this past year, delivering on our Mission and Strategy of 'We Stand for Service'."

<sup>(2)</sup> As used in this press release, core EPS, core ROA, and tangible book value per share are non-GAAP financial measures. These non-GAAP financial measures exclude certain pre-tax adjustments and the tax impact of such adjustments. For a reconciliation of non-GAAP financial measures to their most directly comparable GAAP measures, see "Non-GAAP Reconciliation" at the end of the press release.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 3 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Highlights for 4Q 2025:** 

• Core EPS of $1.43 compared to $1.40 for 3Q 2025, and $1.11 for 4Q 2024, reflecting a year-over-year increase of 29%.

• Core ROA of 1.42% compared to 1.48% for 3Q 2025 and 1.24% for 4Q 2024, reflecting a year-over-year increase of 18bps.

**•** Wealth and Trust continued to deliver double-digit (13%) year-over-year growth.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ WSFS Institutional Services<sup>®</sup> ended 2025 as the securitization industry's fourth most active trustee for U.S. ABS and MBS according to Asset-Backed Alert's ABS Database.

• Broad-based 2% quarter-over-quarter loan growth, led by 4% growth in C&I and continued momentum in WSFS-originated consumer loans and residential mortgage which grew 5%.

• 2% quarter-over-quarter growth in client deposits with strong noninterest demand growth of 6% due to WSFS Institutional Services<sup>®</sup> and Private Wealth Management.

• Issued $200 million of Fixed-to-Floating Senior Notes due 2035, with a fixed interest rate of 5.375% for the first five years. The proceeds from this issuance were concurrently used to redeem $150 million of Fixed-to-Floating Senior Notes due 2030 (3 Month Term SOFR + 248bps).

***•*** Repurchased $109.3 million of common stock (3.7% of outstanding shares<sup>(3)</sup>) and paid quarterly dividends of $9.2 million, for a total capital return of $118.5 million.

<sup>(3)</sup> 4Q 2025 repurchases represent 3.7% of outstanding shares as of September 30, 2025.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 4 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Fourth Quarter 2025 Discussion of Financial Results**

**Balance Sheet**

The following table summarizes loan and lease balances and composition at December 31, 2025 compared to September 30, 2025 and December 31, 2024:

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loans and Leases** | | | | | | |
| *(Dollars in millions)* | **December 31, 2025** | **December 31, 2025** | September 30, 2025 | September 30, 2025 | December 31, 2024 | December 31, 2024 |
| Commercial & industrial (C&I)<sup>(4)</sup> | $**4766** | **36%** | $4587 | 36% | $4652 | 36% |
| Commercial mortgage | **3916** | **30** | 3856 | 30 | 4031 | 31 |
| Construction | **1024** | **7** | 1004 | 7 | 832 | 6 |
| Commercial small business leases | **603** | **5** | 617 | 5 | 648 | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total commercial loans and leases | **10309** | **78** | 10064 | 78 | 10163 | 78 |
| Residential mortgage | **1120** | **9** | 1062 | 8 | 992 | 8 |
| Consumer | **1894** | **14** | 1897 | 15 | 2086 | 16 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gross loans and leases | **13323** | **101%** | 13023 | 101% | 13241 | 102% |
| Allowance for Credit Losses (ACL) | **(179)** | **(1)** | (183) | (1) | (195) | (2) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net loans and leases | $**13144** | **100%** | $12840 | 100% | $13046 | 100% |

---

At December 31, 2025, WSFS' gross loan and lease portfolio increased $299.6 million, or 2% (not annualized), when compared with September 30, 2025. The increase was driven by growth in C&I (4%), commercial mortgage (2%), residential mortgage (5%), and the WSFS-originated consumer loan portfolio (5%) which was offset by continued runoff of the Spring EQ loans.

Gross loans and leases at December 31, 2025 increased 1% when compared with December 31, 2024. Excluding the impacts from the sale of the Upstart portfolio and runoff of Spring EQ, gross loans and leases increased 3%, with growth in construction loans (23%), C&I (2%), residential mortgage (13%), and WSFS-originated consumer loans (16%). These increases were partially offset by a 3% decline in commercial mortgage.

<sup>(4)</sup> Includes owner-occupied real estate.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 5 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

The following table summarizes client deposit balances and composition at December 31, 2025 compared to September 30, 2025 and December 31, 2024:

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Client Deposits** | | | | | | |
| ***(****Dollars in millions)* | **December 31, 2025** | **December 31, 2025** | September 30, 2025 | September 30, 2025 | December 31, 2024 | December 31, 2024 |
| Noninterest demand | $**5577** | **32%** | $5237 | 31% | $4988 | 29% |
| Interest-bearing demand | **2884** | **16** | 2966 | 17 | 2973 | 17 |
| Savings | **1410** | **8** | 1408 | 8 | 1466 | 9 |
| Money market | **5762** | **33** | 5536 | 32 | 5472 | 32 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total core deposits | **15633** | **89** | 15147 | 88 | 14899 | 87 |
| Time deposits | **2009** | **11** | 2079 | 12 | 2131 | 13 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total client deposits | $**17642** | **100%** | $17226 | 100% | $17030 | 100% |

---

Total client deposits increased by $416.3 million, or 2% (not annualized), when compared with September 30, 2025, with growth in Trust, Private Wealth Management and Consumer, partially offset by seasonal outflows of municipal deposits. Noninterest demand deposits grew 6% and comprise over 30% of total client deposits.

Total client deposits increased by $612.7 million, or 4% from December 31, 2024, including noninterest demand deposit growth of 12%, both led by growth in Trust and Private Wealth Management.

The deposit base remains well-diversified, with 54% of quarterly average client deposits coming from the Commercial, Small Business, and Wealth and Trust businesses. No- and low-cost checking accounts represented 48% of average total client deposits with a weighted average cost of 32bps for the quarter. The loan-to-deposit ratio<sup>(5)</sup> was 74% at December 31, 2025, providing capacity to fund additional loan growth.

<sup>(5)</sup> Ratio of net loans and leases to total client deposits.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 6 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Net Interest Income** 

---

| | | | |
|:---|:---|:---|:---|
| | Three Months Ending | Three Months Ending | Three Months Ending |
| ***(****Dollars in millions)* | **December 31, 2025** | September 30, 2025 | December 31, 2024 |
| Net interest income before purchase accretion | $**186.0** | $182.6 | $175.8 |
| Purchase accounting accretion | **1.4** | 1.4 | 2.4 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income | $**187.4** | $184.0 | $178.2 |
| Net interest margin before purchase accretion | **3.80%** | 3.88% | 3.75% |
| Purchase accounting accretion | **0.03** | 0.03 | 0.05 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest margin | **3.83%** | 3.91% | 3.80% |

---

Net interest income increased $3.3 million, or 2% (not annualized), compared to 3Q 2025, primarily driven by lower deposit costs, higher cash balances from deposit growth, and loan growth.

Net interest income increased $9.1 million, or 5%, compared to 4Q 2024, driven by lower deposit costs as well as higher cash balances from growth in deposits. The increase was partially offset by lower loan yields and lower average loan balances driven by the Upstart loan sale and runoff of the Spring EQ portfolio.

Total loan yields were 6.40%, a decrease of 24bps when compared to 3Q 2025, driven by the impacts of rate cuts and a one-time prior-quarter interest recovery. Total client deposit costs were 1.45% and interest-bearing deposit costs were 2.17%, decreases of 17bps and 20bps, respectively, compared to the prior quarter, driven by deposit repricing actions.

Net interest margin of 3.83% decreased 8bps compared to 3Q 2025 primarily due to lower loan yields as described above. The decrease was partially offset by lower deposit costs, deposit mix, and loan growth. Net interest margin increased 3bps from 4Q 2024 due to lower deposit costs and higher cash balances, partially offset by lower loan balances and loan yields.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 7 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Asset Quality**

---

| | | | |
|:---|:---|:---|:---|
| *(Dollars in millions)* | **December 31, 2025** | September 30, 2025 | December 31, 2024 |
| Problem assets<sup>(6)</sup> | $**535.9** | $629.7 | $645.0 |
| Delinquencies (n) | **168.4** | 104.7 | 121.8 |
| Nonperforming assets (n) | **72.1** | 72.6 | 127.4 |
| Net charge-offs on loans and leases | **15.2** | 9.9 | 10.2 |
| Total net credit costs (r) | **12.0** | 8.4 | 8.7 |
| Problem assets to total Tier 1 capital plus ACL on loans and leases | **21.98%** | 26.64% | 26.21% |
| Classified assets to total Tier 1 capital plus ACL on loans and leases | **17.59** | 19.20 | 21.40 |
| Ratio of nonperforming assets to total assets (n) | **0.34** | 0.35 | 0.61 |
| Delinquencies (n) to gross loans (i) | **1.27** | 0.81 | 0.92 |
| Ratio of quarterly net charge-offs to average gross loans | **0.46** | 0.30 | 0.31 |
| Ratio of allowance for credit losses to total loans and leases (q) | **1.36** | 1.41 | 1.48 |
| Ratio of allowance for credit losses to nonaccruing loans (n) | **250** | 254 | 160 |

---

See "Notes"

Problem assets decreased by $93.8 million (4.66% of Tier 1 capital plus ACL on loans and leases), primarily due to favorable net migration, and ended the year at the lowest level in over two years. Nonperforming assets were essentially flat compared to September 30, 2025 and down approximately 40% compared to December 31, 2024.

Delinquencies increased $63.7 million (46bps of gross loans) compared to September 30, 2025 due to several previously identified problem assets moving to delinquent status in the quarter. Approximately $19 million of this increase relates to nonperforming loans. The remaining increase is primarily driven by three CRE loans which are well-secured.

Net charge-offs increased $5.3 million to $15.2 million, or 46bps (annualized) of average gross loans during the quarter, primarily due to the partial charge-off of a nonperforming land development loan. Excluding Upstart, which was largely divested in 3Q 2025, net charge-offs for the year were 40bps of average gross loans.

Total net credit costs of $12.0 million increased $3.6 million compared to 3Q 2025 as provision increased primarily due to net loan growth.

The ACL on loans and leases was $179.6 million as of December 31, 2025, a decrease of $3.6 million when compared to September 30, 2025, and the ACL coverage ratio decreased 5bps to 1.36%. These decreases were primarily due to the partial charge-off of a nonperforming loan as well as favorable payoffs and net migration.

<sup>(6)</sup> Problem assets includes all criticized, classified, and nonperforming loans as well as other real estate owned (OREO).

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 8 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Core Fee Revenue**<sup>(7)</sup>

Core fee revenue (noninterest income) of $90.1 million increased $2.1 million, or 2% (not annualized), compared to 3Q 2025. The increase was driven by broad-based growth of 9% across Wealth and Trust in WSFS Institutional Services<sup>®</sup>, Private Wealth Management, and the Bryn Mawr Trust Company of Delaware (BMT of DE). The increase was partially offset by a decline in Cash Connect<sup>®</sup>, driven by lower volume and rates (which was more than offset in noninterest expense).

Core fee revenue increased $6.9 million, or 8%, compared to 4Q 2024. The increase is driven by double-digit growth across Wealth and Trust, Capital Markets, and WSFS Home Lending. These increases were partially offset by a $2.1 million decrease in Cash Connect<sup>®</sup>, primarily due to lower volume and interest rates. For the full year 2025, Wealth and Trust delivered 16% year-over-year growth, with 35% in WSFS Institutional Services<sup>®</sup> and 19% in BMT of DE.

For 4Q 2025, our core fee revenue ratio<sup>(7)</sup> was 32.4% compared to 32.3% in 3Q 2025 and 31.8% in 4Q 2024. Fee revenue diversification is a differentiator with further growth opportunities expected.

<sup>(7)</sup> As used in this press release, core fee revenue and core fee revenue ratio are non-GAAP financial measures. These non-GAAP financial measures exclude certain pre-tax adjustments and the tax impact of such adjustments. For a reconciliation of these and other non-GAAP financial measures to their most directly comparable GAAP measures, see "Non-GAAP Reconciliation" at the end of the press release.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 9 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Core Noninterest Expense**<sup>(8)</sup> 

Core noninterest expense of $160.9 million decreased $1.2 million, or 1% (not annualized), compared to 3Q 2025. The decrease is primarily due to lower commitment reserves and timing-related loan workout costs as well as a decrease in Cash Connect<sup>®</sup> external funding costs due to lower rates and lower ATM volume. The decrease was partially offset by higher salaries and benefits, driven by higher performance-based incentive accruals.

Core noninterest expense decreased $6.1 million, or 4%, compared to 4Q 2024. The decrease was primarily driven by a $4.8 million decline in Cash Connect<sup>®</sup> external funding costs due to lower volume and rates as well as $1.9 million of one-time expenses associated with a client termination in 4Q 2024.

Excluding the Cash Connect<sup>®</sup> impacts, core noninterest expense increased $0.6 million, or less than 1%, compared to 4Q 2024, primarily due to higher salaries and benefits, mainly as a result of talent additions in key business areas and performance-based increases. The increase was partially offset by lower professional fees.

Our core efficiency ratio<sup>(8)</sup> was 57.9% in 4Q 2025, compared to 59.5% in 3Q 2025 and 63.8% in 4Q 2024, reflecting our focus on expense discipline while continuing to invest in the franchise.

**Income Taxes**

We recorded a $24.5 million income tax provision in 4Q 2025, compared to $24.4 million in 3Q 2025 and $20.2 million in 4Q 2024. The increase compared to 4Q 2024 was primarily due to higher income before taxes and certain tax credits recognized in 2024.

The effective tax rate was 25.2% in 4Q 2025 compared to 24.2% in 3Q 2025 and 23.9% in 4Q 2024. The increase in effective tax rate compared to 3Q 2025 is primarily due to higher nondeductible expenses and higher state taxes. The increase in effective tax rate compared to 4Q 2024 is attributable to lower tax credits in 2025.

<sup>(8)</sup> As used in this press release, core noninterest expense and core efficiency ratio are non-GAAP financial measures. These non-GAAP financial measures exclude certain pre-tax adjustments and the tax impact of such adjustments. For a reconciliation of these and other non-GAAP financial measures to their most directly comparable GAAP measures, see "Non-GAAP Reconciliation" at the end of the press release.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 10 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Capital Management**

Capital ratios remain strong and are all substantially in excess of the "well-capitalized" regulatory benchmarks at December 31, 2025, with a Common Equity Tier 1 capital ratio and Tier 1 capital ratio of 13.92%, Tier 1 leverage ratio of 10.59%, and Total Risk-based capital ratio of 15.67%.

WSFS' total stockholders' equity decreased $14.7 million, or 1% (not annualized), during 4Q 2025. The decrease was primarily due to capital returns to stockholders of $118.5 million (comprised of $109.3 million from share repurchases and $9.2 million from quarterly dividends), partially offset by quarterly earnings of $72.7 million and a decrease in accumulated other comprehensive loss of $29.1 million, driven by market-value increases on available-for-sale investment securities.

WSFS' tangible common equity<sup>(9)</sup> decreased $11.0 million, or 1% (not annualized), compared to September 30, 2025, primarily due to the reasons described above. WSFS' common equity to assets ratio decreased 36bps to 12.85% during the quarter, and our tangible common equity to tangible assets ratio<sup>(9)</sup> was 8.69% at December 31, 2025, a decrease of 27bps, compared to the prior quarter.

At December 31, 2025, book value per share was $51.27, an increase of $1.60, or 3% (not annualized), from September 30, 2025, and tangible book value per share was $33.11, an increase of $1.00, or 3% (not annualized), from September 30, 2025, primarily due to capital returns during the quarter. Book value per share increased $7.12, or 16%, and tangible book value per share increased $5.81, or 21%, compared to 4Q 2024.

During 4Q 2025, WSFS repurchased 2,029,468 shares of common stock for an aggregate of $109.3 million. As of December 31, 2025, WSFS has 3,621,207 shares, or approximately 7% of outstanding shares, available for repurchase under its current authorizations. Full-year total capital returned to stockholders through share repurchases and quarterly dividends was $324.7 million.

The Board of Directors approved a quarterly cash dividend of $0.17 per share of common stock. This dividend will be paid on February 27, 2026 to stockholders of record as of February 13, 2026.

<sup>(9)</sup> As used in this press release, tangible common equity and tangible common equity to tangible assets ratio are non-GAAP financial measures. These non-GAAP financial measures exclude goodwill and intangible assets and the related tax-effected amortization. For a reconciliation of these and other non-GAAP financial measures to their most directly comparable GAAP measures, see "Non-GAAP Reconciliation" at the end of the press release.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 11 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Selected Business Segments (included in previous results):**

**Wealth and Trust**

*The Wealth and Trust segment provides a broad array of planning and advisory services, investment management, trust services, credit and deposit products to individual, corporate, and institutional Clients.*

Selected quarterly performance results and metrics are as follows:

---

| | | | |
|:---|:---|:---|:---|
| *(Dollars in millions, except where otherwise noted)* | **December 31, 2025** | September 30, 2025 | December 31, 2024 |
| Net interest income | $**27.2** | $24.0 | $23.1 |
| Provision for credit losses | **1.0** | (0.1) | 0.4 |
| Fee revenue<sup>(10)</sup> | **46.2** | 42.3 | 40.3 |
| Noninterest expense<sup>(10)</sup> | **32.1** | 32.0 | 29.9 |
| Pre-tax income | **40.2** | 34.4 | 33.1 |
| *<u>Performance Metrics</u>* |  |  |  |
| WSFS Institutional Services<sup>®</sup> and BMT of DE fee revenue | $**31.3** | $27.6 | $24.1 |
| Private Wealth Management fee revenue | **15.5** | 14.8 | 15.8 |
| AUM/AUA (*in billions)*<sup>(11)</sup> | **97.4** | 93.4 | 89.4 |

---

Wealth and Trust pre-tax income was $40.2 million, which increased $5.8 million, or 17% (not annualized), compared to 3Q 2025, driven by increases in fee revenue of $3.9 million, or 9%, and net interest income of $3.2 million, or 13%.

The increase in fee revenue was due to higher transaction and agency fees across WSFS Institutional Services<sup>®</sup> and BMT of DE, as well as higher AUM in Private Wealth Management. The increase in net interest income was due to higher deposit balances in Corporate Trust and Private Wealth Management.

Wealth and Trust pre-tax income increased $7.1 million, or 21%, compared to 4Q 2024, driven by increases in fee revenue of $5.9 million, or 15%, and net interest income of $4.2 million, or 18%. These increases were partially offset by an increase in noninterest expense of $2.3 million, or 8%.

The increase in fee revenue was driven by growth in WSFS Institutional Services<sup>®</sup> and BMT of DE, the increase in net interest income was due to higher deposit balances in Corporate Trust and Private Wealth Management, and the increase in noninterest expense was primarily from performance-based incentives.

AUM/AUA increased to $97.4 billion at the end of 4Q 2025, representing growth of 4% quarter-over-quarter and 9% year-over-year, driven by Client and account growth as well as market appreciation.

<sup>(10)</sup> Includes intercompany allocation of revenue and expense.

<sup>(11)</sup> Represents Assets Under Management and Assets Under Administration, in billions.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 12 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Cash Connect**<sup>®</sup>

*Cash Connect*<sup>®</sup> *is a premier provider of ATM vault cash, smart safe and cash logistics services in the United States, servicing non-bank ATMs and smart safes nationwide and supporting ATMs for WSFS Bank Clients with one of the largest branded ATM networks in our region*.

Selected quarterly financial results and metrics are as follows:

---

| | | | |
|:---|:---|:---|:---|
| *(Dollars in millions)* | **December 31, 2025** | September 30, 2025 | December 31, 2024 |
| Net revenue<sup>(12)</sup> | $**20.7** | $22.0 | $21.8 |
| Noninterest expense<sup>(13)</sup> | **18.1** | 19.6 | 25.2 |
| Pre-tax income | **2.6** | 2.3 | (3.4) |
| *<u>Performance Metrics</u>* |  |  |  |
| Average cash managed | $**1292** | $1386 | $1585 |
| Number of serviced non-bank ATMs and smart safes | **35958** | 36511 | 38574 |
| Number of WSFS owned and branded ATMs | **488** | 524 | 567 |
| Net profit margin | **12.70%** | 10.64% | (15.40)% |
| ROA | **2.11%** | 1.67% | (2.63)% |

---

Cash Connect<sup>®</sup> net profit margin increased 206bps to 12.70% compared to 3Q 2025. When excluding the impacts from a nonrecurring client termination in 4Q 2024, net profit margin<sup>(14)</sup> increased 720bps year-over-year.

Pre-tax income of $2.6 million in 4Q 2025 increased $0.3 million, or 12% (not annualized), compared to 3Q 2025, driven by lower cost of non-earning cash. Net revenue decreased $1.3 million and noninterest expense decreased $1.6 million compared to 3Q 2025, both driven by lower volume and interest rates.

Excluding the previously mentioned client termination in 4Q 2024, pre-tax income<sup>(14)</sup> increased $1.3 million, net revenue<sup>(14)</sup> decreased by $3.9 million, and noninterest expense<sup>(14)</sup> decreased $5.2 million year-over-year. The increase in pretax income was driven by the impact of interest rates (lower revenues were more than offset by lower expenses), pricing initiatives (increased revenues), and expense optimization. These impacts were partially offset by lower ATM and managed services volume, which also resulted in lower revenues and noninterest expense.

<sup>(12)</sup> Includes intercompany allocation of income and net interest income.

<sup>(13)</sup> Includes intercompany allocation of expense.

<sup>(14)</sup> As used in this press release, adjusted net profit margin, adjusted pre-tax income, adjusted net revenue, and adjusted noninterest expense are non-GAAP financial measures. These measures exclude the impact of a nonrecurring client termination in 4Q 2024. For a reconciliation of these and other non-GAAP financial measures to their most directly comparable GAAP measures, see "Non-GAAP Reconciliation" at the end of the press release.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 13 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Fourth Quarter 2025 Earnings Release Conference Call**

Management will conduct a conference call to review 4Q 2025 results at 1:00 p.m. Eastern Time (ET) on Tuesday, January 27, 2026. Interested parties may access the conference call live on our Investor Relations website (https://investors.wsfsbank.com). For those who cannot access the live conference call, a replay will be accessible shortly after the event concludes through our Investor Relations website.

**About WSFS Financial Corporation**

WSFS Financial Corporation is a multibillion-dollar financial services company. Its primary subsidiary, WSFS Bank, is the oldest and largest locally headquartered bank and wealth management franchise in the Greater Philadelphia and Delaware region. As of December 31, 2025, WSFS Financial Corporation had $21.3 billion in assets on its balance sheet and $97.4 billion in assets under management and administration. WSFS operates from 113 offices, 87 of which are banking offices, located in Pennsylvania (58), Delaware (37), New Jersey (14), Florida (2), Nevada (1) and Virginia (1) and provides comprehensive financial services including commercial banking, consumer banking, treasury management, and trust and wealth management. Other subsidiaries or divisions include Arrow Land Transfer, Bryn Mawr Trust Advisors, LLC, Bryn Mawr Trust<sup>®</sup>, The Bryn Mawr Trust Company of Delaware, Cash Connect<sup>®</sup>, NewLane Finance<sup>®</sup>, WSFS Wealth<sup>®</sup> Management, LLC, WSFS Institutional Services<sup>®</sup>, WSFS Mortgage<sup>®</sup>, and WSFS Wealth<sup>®</sup> Investments. Serving the Greater Delaware Valley since 1832, WSFS Bank is one of the ten oldest banks in the United States continuously operating under the same name. For more information, please visit www.wsfsbank.com.

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| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 14 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

***<u>Forward-Looking Statements</u>***

*This press release 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; 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 changes in 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 the Company's 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 or other intangible assets; the success of the Company's growth plans across our WSFS Bank, Cash Connect*<sup>®</sup> *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*<sup>®</sup> *and/or Wealth and Trust segments; adverse judgments or other resolution of pending and future legal proceedings, and cost 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; 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, 2024 and other documents filed by the Company with the Securities and Exchange Commission 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 press release, 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.*

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| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 15 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**WSFS FINANCIAL CORPORATION**

**FINANCIAL HIGHLIGHTS**

**SUMMARY STATEMENTS OF INCOME** (Unaudited)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | Three months ended | Three months ended | Three months ended | Twelve months ended | Twelve months ended |
| *(Dollars in thousands, except per share data)* | **December 31, 2025** | September 30, 2025 | December 31, 2024 | **December 31, 2025** | December 31, 2024 |
| **Interest income:** | **Interest income:** | **Interest income:** | **Interest income:** | **Interest income:** | **Interest income:** |
| Interest and fees on loans | $**212247** | $218250 | $226886 | $**863254** | $918381 |
| Interest on mortgage-backed securities | **24526** | 24202 | 24995 | **98004** | 102024 |
| Interest and dividends on investment securities | **2170** | 2180 | 2188 | **8722** | 8739 |
| Other interest income | **18256** | 13789 | 9270 | **49708** | 34438 |
|  | **257199** | 258421 | 263339 | **1019688** | 1063582 |
| **Interest expense:** |  |  |  |  |  |
| Interest on deposits | **65847** | 71185 | 78541 | **278260** | 308676 |
| Interest on Federal Home Loan Bank advances | **980** | 586 | 828 | **3453** | 2967 |
| Interest on senior and subordinated debt | **1520** | 1089 | 2354 | **5772** | 9690 |
| Interest on trust preferred borrowings | **1483** | 1524 | 1655 | **6048** | 6910 |
| Interest on other borrowings | **16** | 14 | 1754 | **68** | 29901 |
|  | **69846** | 74398 | 85132 | **293601** | 358144 |
| &nbsp;&nbsp;&nbsp;Net interest income | **187353** | 184023 | 178207 | **726087** | 705438 |
| &nbsp;&nbsp;&nbsp;Provision for credit losses | **12669** | 6566 | 8036 | **49206** | 61410 |
| &nbsp;&nbsp;&nbsp;Net interest income after provision for credit losses | **174684** | 177457 | 170171 | **676881** | 644028 |
| **Noninterest income:** |  |  |  |  |  |
| Credit/debit card and ATM income | **16804** | 18487 | 20545 | **72343** | 88710 |
| Investment management and fiduciary revenue | **45127** | 41272 | 39763 | **169454** | 146945 |
| Deposit service charges | **6972** | 7001 | 6844 | **27528** | 26664 |
| Mortgage banking activities, net | **2127** | 2091 | 1634 | **8359** | 7565 |
| Loan and lease fee income | **2084** | 2089 | 1939 | **7068** | 6681 |
| Unrealized loss on equity investment, net | **(4057)** |  |  | **(4057)** |  |
| Realized gain on sale of equity investment, net | **—** | 939 | 123 | **957** | 2309 |
| Other income | **15464** | 14592 | 12459 | **58246** | 62046 |
|  | **84521** | 86471 | 83307 | **339898** | 340920 |
| **Noninterest expense:** |  |  |  |  |  |
| Salaries, benefits and other compensation | **93548** | 91661 | 87503 | **356831** | 332682 |
| Occupancy expense | **8340** | 8498 | 9118 | **35560** | 37579 |
| Equipment expense | **13501** | 12933 | 12922 | **52940** | 47744 |
| Data processing and operations expense | **5195** | 5045 | 4829 | **19945** | 18281 |
| Professional fees | **5420** | 4942 | 7083 | **21271** | 20164 |
| Marketing expense | **2639** | 2178 | 1969 | **8437** | 7824 |
| FDIC expenses | **2544** | 2739 | 2912 | **10294** | 12166 |
| Loss on debt extinguishment | **1151** | 352 |  | **1503** |  |
| Loan workout and other credit costs | **(696)** | 1802 | 646 | **2975** | 2123 |
| Corporate development expense | **55** | 171 | 61 | **(44)** | 473 |
| Restructuring expense | **(126)** | 398 | 2193 | **532** | 2193 |
| Other operating expenses | **30402** | 32337 | 39890 | **125923** | 156460 |
|  | **161973** | 163056 | 169126 | **636167** | 637689 |
| Income before taxes | **97232** | 100872 | 84352 | **380612** | 347259 |
| Income tax provision | **24538** | 24405 | 20197 | **93363** | 83764 |
| Net income | **72694** | 76467 | 64155 | **287249** | 263495 |
| Less: Net income (loss) attributable to noncontrolling interest | **16** | 18 | (47) | **(100)** | (176) |
| **Net income attributable to WSFS** | $**72678** | $76449 | $64202 | $**287349** | $263671 |
| **Diluted earnings per share of common stock:** | $**1.34** | $1.37 | $1.09 | $**5.09** | $4.41 |
| Weighted average shares of common stock outstanding for fully diluted EPS | **54369944** | 55960833 | 59078572 | **56471144** | 59738889 |

---

See "Notes"

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 16 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**WSFS FINANCIAL CORPORATION**

**FINANCIAL HIGHLIGHTS**

**SUMMARY STATEMENTS OF INCOME** (Unaudited) **- continued**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | Three months ended | Three months ended | Three months ended | Twelve months ended | Twelve months ended |
| | **December 31, 2025** | September 30, 2025 | December 31, 2024 | **December 31, 2025** | December 31, 2024 |
| **Performance Ratios:** |  |  |  |  |  |
| Return on average assets (a) | **1.33%** | 1.44% | 1.21% | **1.36%** | 1.27% |
| Return on average equity (a) | **10.51** | 11.25 | 9.66 | **10.71** | 10.40 |
| Return on average tangible common equity (a)(o) | **16.91** | 18.31 | 16.17 | **17.55** | 17.91 |
| Net interest margin (a)(b) | **3.83** | 3.91 | 3.80 | **3.87** | 3.82 |
| Efficiency ratio (c) | **59.46** | 60.17 | 64.57 | **59.57** | 60.85 |
| Noninterest income as a percentage of total net revenue (b) | **31.03** | 31.91 | 31.80 | **31.83** | 32.53 |

---

See "Notes"

------

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| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 17 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**WSFS FINANCIAL CORPORATION**

**FINANCIAL HIGHLIGHTS (Continued)**

**SUMMARY STATEMENTS OF FINANCIAL CONDITION** (Unaudited)

---

| | | | |
|:---|:---|:---|:---|
| *(Dollars in thousands)* | **December 31, 2025** | September 30, 2025 | December 31, 2024 |
| ***<u>Assets:</u>*** |  |  |  |
| Cash and due from banks | $**1326339** | $1199540 | $722722 |
| Cash in non-owned ATMs | **363926** | 364733 | 430320 |
| Investment securities, available-for-sale | **3542246** | 3502159 | 3510648 |
| Investment securities, held-to-maturity | **968331** | 979698 | 1015161 |
| Other investments | **32524** | 46691 | 31765 |
| Net loans and leases (e)(f)(l) | **13143600** | 12840383 | 13045917 |
| Goodwill and intangibles | **969903** | 973677 | 988160 |
| Other assets | **967207** | 933534 | 1069610 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets | $**21314076** | $20840415 | $20814303 |
| ***<u>Liabilities and Stockholders' Equity:</u>*** |  |  |  |
| Noninterest-bearing deposits | $**5576598** | $5236956 | $4987753 |
| Interest-bearing deposits | **12065890** | 11989262 | 12042055 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total client deposits | **17642488** | 17226218 | 17029808 |
| Federal Home Loan Bank advances | **—** |  | 51040 |
| Other borrowings | **302682** | 255099 | 332567 |
| Other liabilities | **640831** | 616317 | 821512 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities | **18586001** | 18097634 | 18234927 |
| Stockholders' equity of WSFS | **2738545** | 2753273 | 2589752 |
| Noncontrolling interest | **(10470)** | (10492) | (10376) |
| Total stockholders' equity | **2728075** | 2742781 | 2579376 |
| Total liabilities and stockholders' equity | $**21314076** | $20840415 | $20814303 |
| **Capital Ratios:** |  |  |  |
| Equity to asset ratio | **12.85%** | 13.21% | 12.44% |
| Tangible common equity to tangible asset ratio (o) | **8.69** | 8.96 | 8.08 |
| Common equity Tier 1 capital (required: 4.5%; well capitalized: 6.5%) (g) | **13.92** | 14.39 | 13.81 |
| Tier 1 leverage (required: 4.00%; well-capitalized: 5.00%) (g) | **10.59** | 11.11 | 10.96 |
| Tier 1 risk-based capital (required: 6.00%; well-capitalized: 8.00%) (g) | **13.92** | 14.39 | 13.81 |
| Total risk-based capital (required: 8.00%; well-capitalized: 10.00%) (g) | **15.67** | 16.19 | 15.77 |
| **Asset Quality Indicators:** |  |  |  |
| Nonperforming assets: |  |  |  |
| Nonaccruing loans (t)(n) | $**71898** | $72148 | $122181 |
| Assets acquired through foreclosure | **200** | 439 | 5204 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total nonperforming assets | $**72098** | $72587 | $127385 |
| Past due loans (h)(n) | $**22416** | $14295 | $9202 |
| Troubled loans (u)(n) | **144267** | 156803 | 151288 |
| Allowance for credit losses | **182500** | 185504 | 195288 |
| Ratio of nonperforming assets to total assets (n) | **0.34%** | 0.35% | 0.61% |
| Ratio of allowance for credit losses to total loans and leases (q) | **1.36** | 1.41 | 1.48 |
| Ratio of allowance for credit losses to nonaccruing loans (n) | **250** | 254 | 160 |
| Ratio of quarterly net charge-offs to average gross loans (a)(e)(i) | **0.46** | 0.30 | 0.31 |
| Ratio of year-to-date net charge-offs to average gross loans (a)(e)(i) | **0.45** | 0.45 | 0.40 |

---

See "Notes"

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 18 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**WSFS FINANCIAL CORPORATION**

**FINANCIAL HIGHLIGHTS (Continued)** 

**AVERAGE BALANCE SHEET** (Unaudited)

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *(Dollars in thousands)* | Three months ended | Three months ended | Three months ended | Three months ended | Three months ended | Three months ended | Three months ended | Three months ended | Three months ended |
|  | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | September 30, 2025 | September 30, 2025 | September 30, 2025 | December 31, 2024 | December 31, 2024 | December 31, 2024 |
|  | **Average<br>Balance** | **Interest &<br>Dividends** | **Yield/<br>Rate<br>(a)(b)** | Average<br>Balance | Interest &<br>Dividends | Yield/<br>Rate<br>(a)(b) | Average<br>Balance | Interest &<br>Dividends | Yield/<br>Rate<br>(a)(b) |
| ***Assets:*** | ***Assets:*** | ***Assets:*** | ***Assets:*** | ***Assets:*** | ***Assets:*** | ***Assets:*** | ***Assets:*** | ***Assets:*** | ***Assets:*** |
| Interest-earning assets: | Interest-earning assets: | Interest-earning assets: | Interest-earning assets: | Interest-earning assets: | Interest-earning assets: | Interest-earning assets: | Interest-earning assets: | Interest-earning assets: | Interest-earning assets: |
| Loans: (e) (j) |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial loans and leases (p) | $**5227764** | $**85605** | **6.51%** | $5229187 | $87722 | 6.67% | $5234307 | $89784 | 6.84% |
| &nbsp;&nbsp;&nbsp;Commercial real estate loans (s) | **4916393** | **79765** | **6.44** | 4831359 | 82914 | 6.81 | 4939610 | 84415 | 6.80 |
| &nbsp;&nbsp;&nbsp;Residential mortgage | **1059006** | **14056** | **5.31** | 1002442 | 13711 | 5.47 | 953099 | 12604 | 5.29 |
| &nbsp;&nbsp;&nbsp;Consumer loans | **1896878** | **31498** | **6.59** | 1908700 | 32548 | 6.77 | 2112283 | 39039 | 7.35 |
| &nbsp;&nbsp;&nbsp;Loans held for sale | **69230** | **1323** | **7.58** | 75418 | 1355 | 7.13 | 49455 | 1044 | 8.40 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total loans and leases | **13169271** | **212247** | **6.40** | 13047106 | 218250 | 6.64 | 13288754 | 226886 | 6.80 |
| Mortgage-backed securities (d) | **4136381** | **24526** | **2.37** | 4090178 | 24202 | 2.37 | 4295179 | 24995 | 2.33 |
| Investment securities (d) | **367731** | **2170** | **2.66** | 366450 | 2180 | 2.66 | 366981 | 2188 | 2.64 |
| Other interest-earning assets | **1795895** | **18256** | **4.03** | 1227761 | 13789 | 4.46 | 765240 | 9270 | 4.82 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-earning assets | $**19469278** | $**257199** | **5.25%** | $18731495 | $258421 | 5.48% | $18716154 | $263339 | 5.61% |
| Allowance for credit losses | **(184484)** |  |  | (190837) |  |  | (196740) |  |  |
| Cash and due from banks | **166442** |  |  | 176874 |  |  | 189730 |  |  |
| Cash in non-owned ATMs | **347883** |  |  | 393148 |  |  | 387114 |  |  |
| Bank owned life insurance | **36946** |  |  | 36553 |  |  | 36350 |  |  |
| Other noninterest-earning assets | **1861713** |  |  | 1887865 |  |  | 1917671 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets | $**21697778** |  |  | $21035098 |  |  | $21050279 |  |  |
| ***Liabilities and stockholders' equity:*** |  |  |  |  |  |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |  |  |  |  |  |
| Interest-bearing deposits: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Interest-bearing demand | $**2861099** | $**7163** | **0.99%** | $2825284 | $7870 | 1.11% | $2843613 | $8460 | 1.18% |
| &nbsp;&nbsp;&nbsp;Savings | **1413087** | **1652** | **0.46** | 1433399 | 1723 | 0.48 | 1480650 | 1922 | 0.52 |
| &nbsp;&nbsp;&nbsp;Money market | **5708666** | **38871** | **2.70** | 5581010 | 42378 | 3.01 | 5323856 | 44797 | 3.35 |
| &nbsp;&nbsp;&nbsp;Time deposits | **2047200** | **18158** | **3.52** | 2077815 | 19214 | 3.67 | 2155891 | 23362 | 4.31 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing client deposits | **12030052** | **65844** | **2.17** | 11917508 | 71185 | 2.37 | 11804010 | 78541 | 2.65 |
| &nbsp;&nbsp;&nbsp;Brokered deposits | **315** | **3** | **3.78** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing deposits | **12030367** | **65847** | **2.17** | 11917508 | 71185 | 2.37 | 11804010 | 78541 | 2.65 |
| Federal Home Loan Bank advances | **86957** | **980** | **4.47** | 50215 | 586 | 4.63 | 71331 | 828 | 4.62 |
| Trust preferred borrowings | **91001** | **1483** | **6.47** | 90952 | 1524 | 6.65 | 90806 | 1655 | 7.25 |
| Senior and subordinated debt | **159787** | **1520** | **3.81** | 148766 | 1089 | 2.93 | 218593 | 2354 | 4.31 |
| Other borrowed funds | **20846** | **16** | **0.30** | 16504 | 14 | 0.34 | 171873 | 1754 | 4.06 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing liabilities | $**12388958** | $**69846** | **2.24%** | $12223945 | $74398 | 2.41% | $12356613 | $85132 | 2.74% |
| Noninterest-bearing demand deposits | **5955352** |  |  | 5493161 |  |  | 5289024 |  |  |
| Other noninterest-bearing liabilities | **621484** |  |  | 633625 |  |  | 772531 |  |  |
| Stockholders' equity of WSFS | **2742480** |  |  | 2694883 |  |  | 2643325 |  |  |
| Noncontrolling interest | **(10496)** |  |  | (10516) |  |  | (11214) |  |  |
| Total liabilities and equity | $**21697778** |  |  | $21035098 |  |  | $21050279 |  |  |
| Excess of interest-earning assets over interest-bearing liabilities | $**7080320** |  |  | $6507550 |  |  | $6359541 |  |  |
| Net interest and dividend income |  | $**187353** |  |  | $184023 |  |  | $178207 |  |
| Interest rate spread |  |  | **3.01%** |  |  | 3.07% |  |  | 2.87% |
| Net interest margin |  |  | **3.83%** |  |  | 3.91% |  |  | 3.80% |

---

See "Notes"

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 19 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**WSFS FINANCIAL CORPORATION**

**FINANCIAL HIGHLIGHTS (Continued)**

(Unaudited)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *(Dollars in thousands, except per share data)* | Three months ended | Three months ended | Three months ended | Twelve months ended | Twelve months ended |
| **Stock Information:** | **December 31, 2025** | September 30, 2025 | December 31, 2024 | **December 31, 2025** | December 31, 2024 |
| Market price of common stock: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;High | **$58.86** | $59.67 | $62.75 | **$59.67** | $62.75 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Low | **49.92** | 52.58 | 47.87 | **42.44** | 40.20 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Close | **55.24** | 53.93 | 53.13 | **55.24** | 53.13 |
| Book value per share of common stock | **51.27** | 49.67 | 44.15 |  |  |
| Tangible common book value (TBV) per share of common stock (o) | **33.11** | 32.11 | 27.30 |  |  |
| Number of shares of common stock outstanding (000s) | **53410** | 55427 | 58657 |  |  |
| **Other Financial Data:** |  |  |  |  |  |
| One-year repricing gap to total assets (k) | **8.37%** | 5.86% | 2.26% |  |  |
| Weighted average duration of the MBS portfolio | **5.8 years** | 6.0 years | 5.9 years |  |  |
| Unrealized losses on securities available for sale, net of taxes | **$(376545)** | $(400669) | $(537790) |  |  |
| Number of Associates (FTEs) (m) | **2335** | 2338 | 2309 |  |  |
| Number of offices (branches, LPO's, operations centers, etc.) | **113** | 114 | 114 |  |  |
| Number of WSFS owned and branded ATMs | **488** | 524 | 567 |  |  |

---

**Notes:**

&nbsp;&nbsp;&nbsp;&nbsp;(a)Annualized.

&nbsp;&nbsp;&nbsp;&nbsp;(b)Computed on a fully tax-equivalent basis.

&nbsp;&nbsp;&nbsp;&nbsp;(c)Noninterest expense divided by (tax-equivalent) net interest income and noninterest income.

&nbsp;&nbsp;&nbsp;&nbsp;(d)Includes securities held-to-maturity (at amortized cost) and securities available-for-sale (at fair value).

&nbsp;&nbsp;&nbsp;&nbsp;(e)Net of unearned income.

&nbsp;&nbsp;&nbsp;&nbsp;(f)Net of allowance for credit losses.

&nbsp;&nbsp;&nbsp;&nbsp;(g)Represents capital ratios of Wilmington Financial Corporation and subsidiaries. Capital Ratios for the current quarter are to be considered preliminary until the Call Reports are filed.

&nbsp;&nbsp;&nbsp;&nbsp;(h)Accruing loans which are contractually past due 90 days or more as to principal or interest. Balance includes student loans, which are U.S. government guaranteed with little risk of credit loss.

&nbsp;&nbsp;&nbsp;&nbsp;(i)Excludes loans held for sale and reverse mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;(j)Nonperforming loans are included in average balance computations.

&nbsp;&nbsp;&nbsp;&nbsp;(k)The difference between projected amounts of interest-sensitive assets and interest-sensitive liabilities repricing within one year divided by total assets, based on a current interest rate scenario.

&nbsp;&nbsp;&nbsp;&nbsp;(l)Includes loans held for sale and reverse mortgages.

&nbsp;&nbsp;&nbsp;&nbsp;(m)Includes seasonal Associates, when applicable.

&nbsp;&nbsp;&nbsp;&nbsp;(n)Includes loans held for sale.

&nbsp;&nbsp;&nbsp;&nbsp;(o)The Company uses non-GAAP (United States Generally Accepted Accounting Principles) financial information in its analysis of the Company's performance. The Company's management believes that these non-GAAP financial measures provide a greater understanding of ongoing operations, enhance comparability of results of operations with prior periods and show the effects of significant gains and charges in the periods presented. The Company's management believes that investors may use these non-GAAP financial measures to analyze the Company's financial performance without the impact of unusual items or events that may obscure trends in the Company's underlying performance. This non-GAAP data should be considered in addition to results prepared in accordance with GAAP, and is not a substitute for, or superior to, GAAP results. For a reconciliation of these and other non-GAAP financial measures to their most directly comparable GAAP measures, see "Non-GAAP Reconciliation" at the end of the press release.

&nbsp;&nbsp;&nbsp;&nbsp;(p)Includes commercial & industrial loans and commercial small business leases.

&nbsp;&nbsp;&nbsp;&nbsp;(q)Reflects allowance for credit losses on loans and leases over the amortized cost of the total portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;(r)Includes provision for credit losses, loan workout expenses, OREO expenses and other credit costs.

&nbsp;&nbsp;&nbsp;&nbsp;(s)Includes commercial mortgage and commercial construction loans.

&nbsp;&nbsp;&nbsp;&nbsp;(t)Includes nonaccruing troubled loans.

&nbsp;&nbsp;&nbsp;&nbsp;(u)Represents 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.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 20 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

 **WSFS FINANCIAL CORPORATION** 

**FINANCIAL HIGHLIGHTS (Continued)**

*(Dollars in thousands, except per share data)* 

(Unaudited)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Non-GAAP Reconciliation (o):** | Three months ended | Three months ended | Three months ended | Twelve months ended | Twelve months ended |
|  | **December 31, 2025** | September 30, 2025 | December 31, 2024 | **December 31, 2025** | December 31, 2024 |
| Net interest income (GAAP) | $**187353** | $184023 | $178207 | $**726087** | $705438 |
| Core net interest income (non-GAAP) | **187353** | 184023 | 178207 | **726087** | 705438 |
| Noninterest income (GAAP) | **84521** | 86471 | 83307 | **339898** | 340920 |
| Plus: Unrealized loss on equity investments, net | **(4057)** |  |  | **(4057)** |  |
| Less: Realized gain on sale of equity investment, net | **—** | 939 | 123 | **957** | 2309 |
| (Plus)/less: Visa derivative valuation adjustment | **(1500)** | (2429) |  | **(3929)** | 2829 |
| Core fee revenue (non-GAAP) | $**90078** | $87961 | $83184 | $**346927** | $335782 |
| Core net revenue (non-GAAP) | $**277431** | $271984 | $261391 | $**1073014** | $1041220 |
| Core net revenue (non-GAAP)(tax-equivalent) | $**277957** | $272482 | $261811 | $**1074980** | $1042785 |
| Noninterest expense (GAAP) | $**161973** | $163056 | $169126 | $**636167** | $637689 |
| Less: FDIC special assessment | **—** |  |  | **—** | 880 |
| Less: Loss on debt extinguishment | **1151** | 352 |  | **1503** |  |
| Less/(plus): Corporate development expense | **55** | 171 | 61 | **(44)** | 473 |
| (Plus)/less: Restructuring expense | **(126)** | 398 | 2193 | **532** | 2193 |
| Plus: Remeasurement of lease liability | **—** |  | (112) | **—** | (112) |
| Core noninterest expense (non-GAAP) | $**160893** | $162135 | $166984 | $**634176** | $634255 |
| Core efficiency ratio (non-GAAP) | **57.9%** | 59.5% | 63.8% | **59.0%** | 60.8% |
| Core fee revenue ratio (non-GAAP) (b) | **32.4%** | 32.3% | 31.8% | **32.3%** | 32.2% |
|  | End of period | End of period | End of period |  |  |
|  | **December 31, 2025** | September 30, 2025 | December 31, 2024 |  |  |
| Total assets (GAAP) | $**21314076** | $20840415 | $20814303 |  |  |
| Less: Goodwill and other intangible assets | **969903** | 973677 | 988160 |  |  |
| Total tangible assets (non-GAAP) | $**20344173** | $19866738 | $19826143 |  |  |
| Total stockholders' equity of WSFS (GAAP) | $**2738545** | $2753273 | $2589752 |  |  |
| Less: Goodwill and other intangible assets | **969903** | 973677 | 988160 |  |  |
| Total tangible common equity (non-GAAP) | $**1768642** | $1779596 | $1601592 |  |  |
| **Tangible common book value (TBV) per share:** | **Tangible common book value (TBV) per share:** |  |  |  |  |
| Book value per share (GAAP) | $**51.27** | $49.67 | $44.15 |  |  |
| Tangible common book value per share (non-GAAP) | **33.11** | 32.11 | 27.30 |  |  |
| **Tangible common equity to tangible assets:** | **Tangible common equity to tangible assets:** |  |  |  |  |
| Equity to asset ratio (GAAP) | **12.85%** | 13.21% | 12.44% |  |  |
| Tangible common equity to tangible assets ratio (non-GAAP) | **8.69** | 8.96 | 8.08 |  |  |

---

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 21 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Non-GAAP Reconciliation - continued (o):** | Three months ended | Three months ended | Three months ended | Twelve months ended | Twelve months ended |
|  | **December 31, 2025** | September 30, 2025 | December 31, 2024 | **December 31, 2025** | December 31, 2024 |
| GAAP net income attributable to WSFS | $**72678** | $76449 | $64202 | $**287349** | $263671 |
| Plus/(less): Pre-tax adjustments: Realized/unrealized gain (loss) on equity investments, net, Visa derivative valuation adjustment, FDIC special assessment, loss on debt extinguishment, corporate development and restructuring expense, and remeasurement of lease liability | **6637** | 2411 | 2019 | **9020** | (1704) |
| (Less)/plus: Tax impact of pre-tax adjustments | **(1637)** | (589) | (445) | **(2097)** | 485 |
| Adjusted net income (non-GAAP) attributable to WSFS | $**77678** | $78271 | $65776 | $**294272** | $262452 |
| GAAP return on average assets (ROA) | **1.33%** | 1.44% | 1.21% | **1.36%** | 1.27% |
| Plus/(less): Pre-tax adjustments: Realized/unrealized gain (loss) on equity investments, net, Visa derivative valuation adjustment, FDIC special assessment, loss on debt extinguishment, corporate development and restructuring expense, and remeasurement of lease liability | **0.12** | 0.05 | 0.04 | **0.04** | (0.01) |
| (Less)/plus: Tax impact of pre-tax adjustments | **(0.03)** | (0.01) | (0.01) | **(0.01)** |  |
| Core ROA (non-GAAP) | **1.42%** | 1.48% | 1.24% | **1.39%** | 1.26% |
| Earnings per share (diluted) (GAAP) | $**1.34** | $1.37 | $1.09 | $**5.09** | $4.41 |
| Plus/(less): Pre-tax adjustments: Realized/unrealized gain (loss) on equity investments, net, Visa derivative valuation adjustment, FDIC special assessment, loss on debt extinguishment, corporate development and restructuring expense, and remeasurement of lease liability | **0.12** | 0.04 | 0.03 | **0.16** | (0.03) |
| (Less)/plus: Tax impact of pre-tax adjustments | **(0.03)** | (0.01) | (0.01) | **(0.04)** | 0.01 |
| Core earnings per share (non-GAAP) | $**1.43** | $1.40 | $1.11 | $**5.21** | $4.39 |
| **Calculation of return on average tangible common equity:** | **Calculation of return on average tangible common equity:** |  |  |  |  |
| GAAP net income attributable to WSFS | $**72678** | $76449 | $64202 | $**287349** | $263671 |
| Plus: Tax effected amortization of intangible assets | **2782** | 2864 | 2965 | **11538** | 11893 |
| Net tangible income (non-GAAP) | $**75460** | $79313 | $67167 | $**298887** | $275564 |
| Average stockholders' equity of WSFS | $**2742480** | $2694883 | $2643325 | $**2682068** | $2535737 |
| Less: Average goodwill and intangible assets | **972332** | 976270 | 990762 | **979420** | 996899 |
| Net average tangible common equity | $**1770148** | $1718613 | $1652563 | $**1702648** | $1538838 |
| **Return on average tangible common equity (non-GAAP)** | **16.91%** | 18.31% | 16.17% | **17.55%** | 17.91% |

---

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | WSFS Bank Center | WSFS Bank Place | 22 |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfsfincorp_logo.jpg](wsfsfincorp_logo.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Non-GAAP Reconciliation - continued (o):** | Three months ended | Three months ended | Three months ended | Twelve months ended | Twelve months ended |
|  | **December 31, 2025** | September 30, 2025 | December 31, 2024 | **December 31, 2025** | December 31, 2024 |
| **Calculation of PPNR:** | **Calculation of PPNR:** | **Calculation of PPNR:** | **Calculation of PPNR:** | **Calculation of PPNR:** | **Calculation of PPNR:** |
| Net income (GAAP) | $**72694** | $76467 | $64155 | $**287249** | $263495 |
| Plus: Income tax provision | **24538** | 24405 | 20197 | **93363** | 83764 |
| Plus: Provision for credit losses | **12669** | 6566 | 8036 | **49206** | 61410 |
| **PPNR (non-GAAP)** | $**109901** | $107438 | $92388 | $**429818** | $408669 |
| Plus/(less): Pre-tax adjustments: Realized/unrealized gain (loss) on equity investments, net, Visa derivative valuation adjustment, FDIC special assessment, loss on debt extinguishment, corporate development and restructuring expense, and remeasurement of lease liability | **6637** | 2411 | 2019 | **9020** | (1704) |
| **Core PPNR (non-GAAP)** | $**116538** | $109849 | $94407 | $**438838** | $406965 |

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| | | | |
|:---|:---|:---|:---|
| | Three months ended | Three months ended | Three months ended |
| | **December 31, 2025** | September 30, 2025 | December 31, 2024 |
| **Calculation of adjusted Cash Connect**<sup>®</sup> **net profit margin:** |  |  |  |
| Cash Connect<sup>®</sup> net revenue | $**20735** | $22043 | $21823 |
| Plus: Impact of client termination | **—** |  | 2818 |
| **Adjusted Cash Connect**<sup>®</sup> **net revenue** | $**20735** | $22043 | $24641 |
| Cash Connect<sup>®</sup> noninterest expense | $**18073** | $19637 | $25183 |
| Less: Client termination expense | **—** |  | (1898) |
| **Adjusted Cash Connect**<sup>®</sup> **noninterest expense** | $**18073** | $19637 | $23285 |
| Cash Connect<sup>®</sup> pre-tax income | $**2634** | $2346 | $(3360) |
| Plus: Impact of client termination | **—** |  | 4716 |
| **Adjusted Cash Connect**<sup>®</sup> **pre-tax income** | $**2634** | $2346 | $1356 |
| **GAAP Cash Connect**<sup>®</sup> **net profit margin** | **12.70%** | 10.64% | (15.40)% |
| **Adjusted Cash Connect**<sup>®</sup> **net profit margin** | **12.70%** | 10.64% | 5.50% |

---

## Exhibit 99.2

![](a4q25supplement12626fina001.jpg)

1 WSFS Financial Corporation 4Q 2025 Earnings Release Supplement January 2026 Exhibit 99.2

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2 Forward Looking Statements & Non-GAAP Disclaimers Trade names, trademarks and service marks of other companies appearing in this presentation are the property of their respective holders. Forward Looking Statements: This presentation 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 WSFS Financial Corporation's ("the Company") 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 significant risks and uncertainties (which change over time) and other factors, including, but 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, trade, monetary and fiscal policies, interest rates, supply chain issues, inflation, economic growth, the uncertain effects of geopolitical instability, armed conflicts, public health crises, inflation, interest rates and actions taken in response thereto on our business, results of operations, capital and liquidity, which could cause actual results to differ materially from those currently anticipated. Such risks and uncertainties are discussed in detail in the Company's Form 10-K for the year ended December 31, 2024, Form 10-Q for the quarter ended March 31, 2025, Form 10-Q for the quarter ended June 30, 2025, and Form 10-Q for the quarter ended September 30, 2025, and other documents filed by the Company with the Securities and Exchange Commission from time to time. We caution readers not to place undue reliance on any such forward-looking statements, which speak only as of the date on which they are made, and 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 presentation, 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. Non-GAAP Financial Measures: This presentation contains financial measures determined by methods other than in accordance with accounting principles generally accepted in the United States ("GAAP"). The Company's management believes that these non-GAAP financial measures provide a greater understanding of ongoing operations, enhance comparability of results of operations with prior periods and show the effects of significant gains and charges in the periods presented. The Company's management believes these non-GAAP financial measures are useful measures for management and investors to analyze the Company's financial performance without the impact of unusual items or events that may obscure trends in the Company's underlying performance. You should not rely on these non-GAAP financial measures as a substitute for, or as superior to, GAAP results. For a reconciliation of these non-GAAP financial measures to their most directly comparable GAAP measures, see the Appendix.

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3 Financial Highlights and Results

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4 Reported Core1 $ in millions (except per share amounts) 4Q25 FY25 4Q25 YoY Δ FY25 FY Δ EPS $1.34 $5.09 $1.43 +28.8% $5.21 +18.7% ROA 1.33% 1.36% 1.42% +18bps 1.39% +13bps Net Income2 $72.7 $287.3 $77.7 +18.1% $294.3 +12.1% PPNR1 $109.9 $429.8 $116.5 +23.4% $438.8 +7.8% ROTCE1 16.91% 17.55% 18.03% +148bps 17.96% +13bps NIM4 3.83% 3.87% 3.83% +3bps 3.87% +5bps Fee Revenue $$84.5 $339.9 $90.1 +8.3% $346.9 +3.3% Fee Revenue %4 31.0% 31.8% 32.4% +6bps 32.3% +10bps Efficiency Ratio 59.5% 59.6% 57.9% -590bps 59.0% -180bps ACL Ratio5 1.36% 1.36% 1.36% -12bps 1.36% -12bps CET1 13.92% 13.92% 13.92% +11bps 13.92% +11bps TBVPS1 $33.11 $33.11 $33.11 +21.3% 33.11 +21.3% Financial Highlights 1 These are non-GAAP financial measures and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results. See Reconciliation of Non-GAAP for the most directly comparable GAAP measures 2 This constitutes net income attributable to WSFS; excludes net income attributable to noncontrolling interest 3 Represents shares outstanding as of December 31, 2024 4 Tax-equivalent 5 Reflects ACL on loans and leases over the amortized cost of the total portfolio • Strong year-over-year growth across key profitability metrics for the quarter and full-year • Results driven by solid loan, deposit, and core fee revenue growth with Wealth and Trust growing 13% YoY • Loans grew 2% QoQ (9% annualized) and client deposits grew 2% QoQ (10% annualized) • Returned $324.7mm of capital to shareholders in 2025, including $287.5mm from share repurchases (9.3% of outstanding shares)3

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5 4Q 2025 Non-core Adjustments Three non-core items impacting Net Income by $5.0mm and EPS by $0.09 Write-down on an Equity Investment: • Total equity investment portfolio of $13.4mm Visa B Derivative: • Increased our reserve for Visa Class B dilution due to Visa's increase to its litigation reserve • Total reserve of $5.3mm Debt Extinguishment: • Accelerated costs from the redemption of $150mm of Senior Notes due 2030 Key Items $72.7 $4.1 $1.5 $1.2 ($1.8) $77.7 $60.0 $65.0 $70.0 $75.0 $80.0 $85.0 Reported Net Income Equity Investment Visa B Debt Extinguishment Tax / Other Adjusted (Core) Net Income 4Q25 Adjustments ($mm) 1 This is a non-GAAP financial measure and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results. See Reconciliation of Non-GAAP for the most directly comparable GAAP measure 1

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6 43% 37% 41% 36% 29% 34% 0% 15% 30% 45% 60% 2Q25 3Q25 4Q25 Interest-Only Total Net Interest Margin Trends NIM of 3.83%, down 8bps QoQ and up 3bps YoY while absorbing 75bps from interest rate cuts 1 Average total loan yield excludes purchase accounting accretion (PAA) 2 Deposit betas are based on cumulative client deposit costs for the down-cycle rate (September 2024 start); assumes Fed Funds of 3.75% • Loan yields down 24bps QoQ primarily due to lower interest rates and a one-time interest recovery (5bps) in the prior quarter • December exit interest-only beta of 43%; exit client deposit cost of 1.39% 1.83% 1.71% 1.63% 1.62% 1.45% 1.92% 1.77% 1.68% 1.66% 1.51% 6.72% 6.60% 6.54% 6.60% 6.36% 2.0% 3.2% 4.4% 5.6% 6.8% 8.0% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4Q24 1Q25 2Q25 3Q25 4Q25 Lo an Y ie ld (%) Cl ie nt D ep os it Co st (%) Client Deposit Cost Total Funding Cost Total Loans Ex PAA Yield1 3.80% 3.91% 3.83% 0.00% 1.20% 2.40% 3.60% 4.80% 4Q24 3Q25 4Q25 4.50%Fed Funds %4 3.75% 3 Betas are the average of the last month in a respective quarter unless otherwise stated 4 Fed funds is based on the exit rate and the upper bound of the range 4.25% Average Deposit Cost and Loan Yield Net Interest Margin Deposit Betas2,3

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7 Loan Portfolio Highlights Strong 4Q fundings across the Commercial and Consumer portfolios led by 4% QoQ growth in C&I 1 Includes new loans, existing new funding, in-process, HFS, and net line activity. Excludes reclasses, purchase accounting marks/unearned changes, and Commercial leases 2 C&I loans includes owner-occupied real estate ($ in millions) Dec 2025 Sept 2025 Dec 2024 QoQ $ Growth Annualized % Growth YoY $ Growth % Growth C & I Loans2 $4,766 $4,587 $4,652 $179 15% $114 2% Commercial Mortgages (CRE) 3,916 3,856 4,031 60 6% (115) (3%) Construction Loans 1,024 1,004 832 20 8% 192 23% Commercial Leases 603 617 648 (14) (9%) (45) (7%) Total Commercial Loans $10,309 $10,064 $10,163 $245 10% $146 1% Residential Mortgage (HFS/HFI) 1,120 1,062 992 58 22% 128 13% Consumer Loans - WSFS 1,038 990 891 48 19% 147 17% Consumer Loans - Partnership 856 907 1,195 (51) (22%) (339) (28%) Total Gross Loans $13,323 $13,023 $13,241 $300 9% $82 1% EOP Loans - QoQ and YoY Commercial: • Highest total quarterly fundings in past two years • Commercial line utilization of 36.6%, up from 34.8% prior quarter • 90-day weighted average pipeline of ~$200mm Consumer: • Residential mortgage and WSFS-originated consumer loans (primarily real estate secured) continued their strong momentum and grew a combined 20% QoQ annualized $170 $116 $201 $121 $263 $70 $33 $66 $85 $126 $125 $98 $141 $177 $165 -$25 $48 -$2 -$58 $58 $340 $295 $406 $325 $612 -$100 $0 $100 $200 $300 $400 $500 $600 $700 4Q24 1Q25 2Q25 3Q25 4Q25 C&I CRE Construction Net Line Activity Commercial Fundings and Line Activity ($mm)1

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8 ($ in millions) Dec 2025 Sep 2025 Dec 2024 QoQ $ Growth Annualized % Growth YoY $ Growth % Growth Noninterest Demand $5,577 $5,237 $4,988 $340 26% $589 12% Interest-bearing Demand 2,884 2,966 2,973 (82) (11%) (89) (3%) Savings 1,410 1,408 1,466 2 1% (56) (4%) Money Market 5,762 5,536 5,472 226 16% 290 5% Total Core Deposits $15,633 $15,147 $14,899 $486 13% $734 5% Time Deposits 2,009 2,079 2,131 (70) (13%) (122) (6%) Total Client Deposits $17,642 $17,226 $17,030 $416 10% $612 4% EOP Deposits by Product - QoQ and YoY Deposit Highlights • $416mm (10% annualized) increase in ending client deposits QoQ; driven by Trust, Wealth, and Consumer • 33% of average deposits are noninterest demand • $612mm (4%) increase in ending client deposits YoY • Noninterest deposits increased 12% YoY; driven by growth in Wealth and Trust • 54% of average client deposits are coming from Commercial, Small Business, and Wealth and Trust 2% quarter-over-quarter growth in client deposits with 6% quarter-over-quarter growth in noninterest deposits Consumer 46% Commercial 23% Small Business 11% Trust 13% Wealth 7% Average Client Deposits By Business Line 12% 12% 12% 12% 11% 40% 41% 40% 40% 40% 17% 17% 16% 16% 16% 31% 30% 32% 32% 33% 0% 20% 40% 60% 80% 100% 4Q24 1Q25 2Q25 3Q25 4Q25 Noninterest Interest-bearing Savings/MM Time Average Total Client Deposit Mix

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9 $18 $21 $21 $25 $25 $23 $40 $42 $46 $83 $88 $90 $0 $10 $20 $30 $40 $50 $60 $70 $80 $90 $100 4Q24 3Q25 4Q25 Co re F ee R ev en ue ($ m m) Banking Cash Connect Wealth and Trust Core Fee Revenue 32.4% Core Fee Revenue ratio1 with continued double-digit year-over-year growth in Wealth and Trust 1 These are non-GAAP financial measures and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results. See Reconciliation of Non-GAAP for the most directly comparable GAAP measures 2 2025 Asset-Backed Alert; activity based on total issuance of deals in the year® Core fee revenue1 up 2% QoQ and up 8% YoY Wealth and Trust (+13% YoY) Bryn Mawr Trust® 33% BMT of DE 19% WSFS Institutional Services® 48% Institutional Services up 29% YoY due to increased agent, custody, and assignment fees Ranked fourth most active U.S. ABS & MBS trustee with 11.7% market share2 Private Wealth Management up 9% YoY when excluding the two previously announced exits of Commonwealth and Powdermill (down 8% YoY in total) Bryn Mawr Trust of Delaware up 24% YoY due to growth in new accounts

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10 11.34% 10.28% 13.20% 8.69% 2.58% 0.31% 2.47% 1.92% 13.92% 10.59% 15.67% 10.61% 0% 4% 8% 12% 16% CET1 Leverage TRBC TCE Effective AOCI Well-capitalized Reported ($8.34) $33.11 ($20) ($10) $0 $10 $20 $30 $40 4Q21 2Q22 4Q22 2Q23 4Q23 2Q24 4Q24 2Q25 4Q25 TBV2 and AOCI per Share AOCI/share TBV/share Capital All capital ratios remain significantly above "well-capitalized" even when considering Effective AOCI 4Q25 Capital Ratios including Effective AOCI Impact1,2 1 Effective AOCI ($529.2mm) includes unrealized losses on AFS and unrecognized fair value of HTM as of December 31, 2025; reported AOCI of ($445.5mm) 2 This is a non-GAAP financial measure and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results. See Reconciliation of Non-GAAP for the most directly comparable GAAP measure 2 • 21% YoY growth in TBV per share • Tangible book value (TBV) of $33.11 per share includes a negative impact of $8.34 per share related to Reported AOCI1 • Effective AOCI represents the impact of a full liquidation of the investment portfolio • TCE of 10.61% when considering Effective AOCI 2

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![](a4q25supplement12626fina011.jpg)

11 >110% of FY net income returned to shareholders; 7% of outstanding shares remain in authorization3 $36.7 $35.8 $37.2 $51.8 $95.4 $287.5 $88.5 $131.2 $324.7 $0.0 $50.0 $100.0 $150.0 $200.0 $250.0 $300.0 $350.0 2023 2024 2025 M ill io ns Dividend Repurchases Medium-Term Operating Target 12.22% 13.17% 13.81% 13.92% 0% 2% 4% 6% 8% 10% 12% 14% 16% 2022 2023 2024 2025 Capital Return Framework Repurchased 3.7% of outstanding shares in 4Q251; 9.3% of outstanding shares repurchased year-to-date2 1 Represents shares outstanding as of September 30, 2025 2 Represents shares outstanding as of December 31, 2024 CET1 medium-term target of ~12% 3 Represents shares outstanding as of December 31, 2025 Total Capital Returned to ShareholdersCET1 Trend

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![](a4q25supplement12626fina012.jpg)

12 $77 $85 $87 $55 $67 $29 $43 $54 $35 $86$16 $20 $17 $15 $15 $122 $148 $158 $105 $168 0.92% 1.13% 1.22% 0.81% 1.27% 0.00% 0.30% 0.60% 0.90% 1.20% 1.50% $0 $50 $100 $150 $200 $250 4Q24 1Q25 2Q25 3Q25 4Q25 M ill io ns Non-accruing Accruing Govt. Guaranteed Ed. % of Gross Loans Asset Quality Metrics $645 $684 $683 $630 $536 4.87% 5.19% 5.19% 4.84% 4.02% 0.0% 1.2% 2.4% 3.6% 4.8% 6.0% $300 $400 $500 $600 $700 $800 4Q24 1Q25 2Q25 3Q25 4Q25 M ill io ns Problem Assets % of Gross Loans $6 $21 $4 $9 $14$1 $1 $1 $1 $4 $3 $5 0.31% 0.76% 0.30% 0.30% 0.46% 0.00% 0.15% 0.30% 0.45% 0.60% 0.75% 0.90% $0 $7 $14 $21 $28 $35 4Q24 1Q25 2Q25 3Q25 4Q25 M ill io ns Commercial Consumer Upstart % of Avg. Gross Loans $127 $117 $106 $73 $72 0.61% 0.57% 0.51% 0.35% 0.34% 0.0% 0.2% 0.3% 0.5% 0.6% 0.8% $0 $25 $50 $75 $100 $125 $150 4Q24 1Q25 2Q25 3Q25 4Q25 M ill io ns Nonperforming Assets % of Total Assets • Problem Assets: Decreased 82bps QoQ • Driven by favorable net migration • Ended at lowest level in over two years • DLQ: Increased 46bps QoQ • Driven by previously identified problem assets and NPAs • Remaining increase primarily due to three well-secured CRE loans • NCO: Increased 16bps QoQ • Primarily due to the partial charge- off of a nonperforming land development loan • Total NCO was 38bps excluding NewLane 4Q 2025 Performance 1 Excludes impacts from accounts receivable 2 Includes fully government guaranteed and 98% government guaranteed student loans 3 Average gross loans net of unearned income, excluding loans held-for-sale 3 2 <$1 Problem Assets Nonperforming Assets (NPA) Delinquencies (DLQ) Net Charge-offs (NCO)1

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![](a4q25supplement12626fina013.jpg)

13 $160 $170 $180 $190 $200 9/30/2025 New Originations Payoffs / Paydowns Forecast / Migration NCO / Other 12/31/2025 ACL Ratio 4Q 2025 ACL ($mm) $180 1 Reflects ACL on loans and leases over the amortized cost of the total portfolio 2 This is a non-GAAP financial measures and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results. See Reconciliation of Non-GAAP for the most directly comparable GAAP measures Loan & Leases ACL Overview ACL and Coverage Ratio by Segment 4Q 2025 ACL Commentary 1.36% • ACL coverage ratio1 of 1.36%; 1.46% including estimated remaining credit mark on acquired loan portfolios2 • Coverage ratio down 5bps QoQ; partial charge-off of non- accruing loan and favorable payoff/net migration • FY GDP forecast of 2.0% in 2025 and 2.5% in 20263 • FY Unemployment forecast of 4.3% in 2025 and 4.4% in 20263 1.41% 1.26% 1.61% 1.36% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4Q21 4Q22 4Q23 4Q24 4Q25 ACL % By Portfolio and Total1 Commercial Consumer and Leasing Total ACL% 3 Source: Oxford Economics as of December 2025 4 Hotel loan balances are included in the C&I and Construction segments 5 Commercial excludes Leasing $183 $12 ($10) ($1) ($4) ($ millions) $% $% $% C&I4 $57.1 2.15% $49.6 1.90% $52.9 1.89% Owner Occupied - R/E $9.1 0.46% $8.3 0.43% $7.6 0.39% CRE Investor $49.0 1.21% $48.6 1.26% $48.0 1.23% Construction4 $9.2 1.10% $17.2 1.71% $13.3 1.30% Resi Mortgage $5.6 0.58% $6.5 0.62% $6.8 0.62% Leases $16.0 2.47% $17.3 2.80% $16.4 2.73% HELOC & HEIL $10.0 1.33% $12.5 1.48% $12.6 1.39% Consumer Partnerships $36.5 3.06% $20.2 2.25% $18.9 2.23% Other $2.8 1.94% $3.0 2.08% $3.0 2.11% TOTAL $195.3 1.48% $183.2 1.41% $179.6 1.36% December 31, 2024 September 30, 2025 December 31, 2025 5

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14 Investment Portfolio High-quality investment portfolio providing consistent cash flows and borrowing capacity 1 Investment portfolio value includes market value AFS and book value of HTM 2 Weighted average duration and yield of the MBS portfolio 3 This is a non-GAAP financial measure and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results. See Reconciliation of Non-GAAP for the most directly comparable GAAP measure • Forecasting P&I cash flows of $1bn+ over the next 24 months • Anticipated cash flows could fund ~3.5% annualized loan growth • Reported AOCI improved $29.1mm or 6% quarter-over-quarter Investments Investment Portfolio1 $4.51bn % of Total Assets1 21% Portfolio Duration2 5.8yrs Portfolio Yield2 2.38% Agency MBS/Notes % >95% Reported AOCI ($445.5mm) Effective AOCI3,4 ($529.2mm) AFS Agency MBS Agency CMOs GNMA MBS/CMOs Agency Debent. HTM Agency MBS Munis $3.54bn $0.97bn $625 $549 $522 $475 $446 $0 $150 $300 $450 $600 $750 4Q24 1Q25 2Q25 3Q25 4Q25 M ill io ns Reported AOCI Trend 4 Effective AOCI ($529.2mm) includes unrealized losses on AFS and unrecognized fair value of HTM as of December 31, 2025; assumes all securities, including HTM, are sold at market prices Note: As of December 31, 2025, unless otherwise stated

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15 3 2026 Outlook1 Loan Growth Mid-single digit growth Low-single digit growth in Consumer due to partnership portfolio runoff Deposit Growth Mid-single digit growth Broad-based growth across our businesses Net Interest Margin +/- 3.80% Includes three 25bp rate cuts (March, July, and December) Fee Revenue Growth Mid-single digit growth excluding Cash Connect® Double-digit growth in Wealth & Trust; Cash Connect® impacted by rates Net Charge-offs 0.35% - 0.45% of average loans Efficiency Ratio High 50s Disciplined expense management with continued franchise investment 1 The Company is not able to reconcile the forward-looking non-GAAP estimates set forth above to their most directly comparable GAAP estimates without unreasonable efforts because it is unable to predict, forecast or determine the probable significance of the items impacting these estimates with a reasonable degree of accuracy Full-Year Core ROA Outlook of +/-1.40%; Double-digit EPS growth Includes continued buybacks in line with our capital return framework 2026 Outlook Summary

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![](a4q25supplement12626fina016.jpg)

16 WSFS Franchise and Growth Strategy

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![](a4q25supplement12626fina017.jpg)

17 Note: As of December 31, 2025, unless otherwise stated The WSFS Franchise • $21.3 billion in assets • $97.4 billion in fiduciary assets, including $9.4 billion in assets under management • 113 offices • One of largest ATM networks in our market with nearly 500 branded ATMs Founded in 1832, WSFS is one of the ten oldest banks in the U.S. Commercial (Incl. Capital Markets) Small Business Wealth (Private Wealth Management) Trust (BMT of DE and Institutional) Cash Connect® Major Business Lines Largest independent bank & trust company HQ in Delaware-Greater Philadelphia region Consumer NewLane Finance® Mortgage

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![](a4q25supplement12626fina018.jpg)

18 WSFS Key Strengths Focused on long-term sustainable top-quintile financial performance 1 This is a non-GAAP financial measure and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results. See Reconciliation of Non-GAAP for the most directly comparable GAAP measure 2 2022 Core ROA is adjusted to exclude the $23.5 million, or 9bps impact, of initial ACL provision recorded in connection with the acquisition of Bryn Mawr Trust Strong balance sheet and liquidity: • Capital ratios significantly above "well-capitalized" • Liquidity is a strength with minimal wholesale funding, ample secured capacity (~$8bn), and 74% L/D ratio • No brokered deposits, fed funds, or FHLB borrowings • CRE + Construction / Tier 1 Capital + ACL Ratio of 204% Diverse client base: • C&I loans (including owner-occupied) composed 46% of commercial loans and 36% of gross loans as of 4Q25 • >50% of client deposits generated outside of Consumer • Consistently averaging above 30% in noninterest deposits Significant Wealth and Trust franchise: • Contributed 25% of total revenue FY25 • 15% compounded AUA/AUM growth from 2022-2025 Achieving consistent high performance: • Core ROA averaging 1.36% over the past four years, as well as 1.39% FY'251,2 • Consistent IG ratings with stable outlooks: Baa2 issuer rating from Moody's and A- long-term issuer rating from Morningstar DBRS/Kroll Highly attractive market position3,4: • Ranked 6th in deposits for the 5th largest MSA by deposits • Uniquely positioned between national/super-regional banks with fragmented market share and smaller banks Differentiated fee revenue: • Fee revenue accounted for 32% of total revenue FY25 • Key fee revenue drivers include Wealth & Trust, Cash Connect®, Capital Markets, and Banking • 11% compounded core fee growth from 2022-2025 1 2 3 4 5 6 3 FDIC and S&P Global. Data excludes credit unions and non-traditional banks; as of June 30, 2025. Also excludes TD Bank's 2035 Limestone Rd, Wilmington, DE location 4 U.S. Census Bureau (2024), American Community Survey 1-Year Estimates Note: As of December 31, 2025, unless otherwise stated

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19 Unique Market Position Largest locally headquartered bank and wealth franchise in the Greater Philadelphia and Delaware region 1 FDIC and S&P Global. Data excludes estimated brokered deposits, credit unions, and non-traditional banks; as of June 30, 2025. Also excludes TD Bank's 2035 Limestone Rd, Wilmington, DE location. Brokered deposits estimated based on percentage of parent deposits within MSA. 2 The World Economic Forum 3 Philadelphia-Wilmington-Camden MSA. U.S. Census Bureau (2024), American Community Survey 1-Year Estimates 4 Bureau of Labor Statistics and ESRI (2023) 5 CBRE (2022) 6 Phoenix Marketing International Centrally located in the MA-NY-PA-MD/DC corridor #1 mega-region globally by economic output2 Top 10 MSA with over 6 million people and 2.5 million households3 7th Largest MSA labor force4 5th Largest MSA by deposits1 • One of nation's leading regions for academia and academic research; over 100 colleges and universities • Diverse, established, and growing industries led by healthcare, biotech, and logistics; Top tech labor force5 • Positioned between national/super-regional banks with fragmented market share and smaller community banks • PA-NJ-DE have ~1 million households with over $1 million in investable assets6 Philadelphia-Wilmington-Camden MSA1 Net Deposits (millions) Market Share % 1 TD $34,534 14.3% 2 Wells Fargo $34,383 14.2% 3 PNC $28,411 11.7% 4 BofA $26,293 10.9% 5 Citizens $23,187 9.6% 6 WSFS $15,754 6.5% 7 M&T $15,553 6.4% 8 Fulton $8,441 3.5% 9 Santander $7,587 3.1% 10 Univest $5,572 2.3% 64 Remaining $42,266 17.5% 2025 Rank

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20 NIM Core Fee Revenue % CET1 Ratio Ending ACL %Core ROA % Core ROTCE Cost of Deposits 92% 73% 78%76% 86% 86% 80% Performance Highlights 1 S&P Global; data for KBW Nasdaq Regional Banking Index (KRX) peers pulled as of January 9, 2026 2 Core Fee Revenue %, Core ROA %, Core EPS, and Core ROTCE are non-GAAP financial measures and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results. See Reconciliation of Non-GAAP for the most directly comparable GAAP measures Note: As of September 30, 2025, unless otherwise stated 3Q25 YTD WSFS Performance vs. KRX1,2 Across Key Metrics Debt Ratings Moody's: Reaffirmed 8/2025 Baa2 Issuer Rating Stable Outlook Morningstar: Affirmed 8/2025 A- Long-Term Issuer Rating Stable Outlook Kroll: Reaffirmed 7/2025 A- Senior Unsecured Stable Outlook 3Q25 YTD Financial Highlights2 Reported EPS: $3.75 Core EPS: $3.79 Reported ROA: 1.37% Core ROA: 1.39% Reported ROTCE: 17.78% Core ROTCE: 17.92% Reported PPNR: $320mm Core PPNR: $322mm

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21 1 KRX represents the KBW Nasdaq Regional Bank Index 2 This is a non-GAAP financial measure and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results. See Reconciliation of Non-GAAP for the most directly comparable GAAP measure Franchise Growth & Performance Consistently delivering top-tier performance against KRX peers while growing the franchise1 $15.8 $19.9 $20.6 $20.8 $21.3 1.80% 1.41% 1.38% 1.26% 1.39% 0.00% 0.40% 0.80% 1.20% 1.60% 2.00% $0.0 $5.0 $10.0 $15.0 $20.0 $25.0 2021 2022 2023 2024 2025 Bi llio ns Total Assets Core ROA Bryn Mawr Trust Acquisition 2,3 3 2022 Core ROA is adjusted to exclude the $23.5 million, or 9bps impact, of initial ACL provision recorded in connection with the acquisition of Bryn Mawr Trust Note: GAAP ROA is the following: 2021 – 1.82%, 2022 – 1.09%, 2023 – 1.33%, 2024 – 1.27%, and 2025 – 1.36%

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22 Core ROTCE1 Net Interest Margin Core ROA1,2 Core Fee Income %1,3 Core Metrics – 5 Year Trend 1.80% 1.41% 1.38% 1.26% 1.39% 0.0% 0.4% 0.8% 1.2% 1.6% 2.0% 2021 2022 2023 2024 2025 29.4% 27.9% 28.0% 32.2% 32.3% 24.0% 26.0% 28.0% 30.0% 32.0% 34.0% 2021 2022 2023 2024 2025 3.23% 3.71% 4.11% 3.82% 3.87% 0.0% 1.0% 2.0% 3.0% 4.0% 5.0% 2021 2022 2023 2024 2025 21.33% 20.37% 22.48% 17.83% 17.96% 1.4% 6.4% 11.4% 16.4% 21.4% 26.4% 2021 2022 2023 2024 2025 1 These are non-GAAP financial measures and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results. See Reconciliation of Non-GAAP for the most directly comparable GAAP measures 2 2022 Core ROA is adjusted to exclude the $23.5 million, or 9bps impact, of initial ACL provision recorded in connection with the acquisition of Bryn Mawr Trust 3 %s represent core fee (noninterest) income divided by total core net revenue

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23 Core Fee Revenue Trends1 32.3% core fee revenue ratio in FY25; double-digit growth in Wealth and Trust $67 $78 $75 $76 $68 $73 $79 $51 $41 $43 $56 $82 $115 $97 $44 $50 $63 $125 $133 $148 $171 $162 $169 $181 $257 $283 $336 $347 $0 $50 $100 $150 $200 $250 $300 $350 $400 2019 2020 2021 2022 2023 2024 2025 Banking Cash Connect Wealth and Trust 22'-25' Total CAGR: +11% 2® 1 This is a non-GAAP financial measure and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results. See Reconciliation of Non-GAAP for the most directly comparable GAAP measure 2 Banking includes deposit service charges, SBA loan sales, loan and lease fees, credit and debit revenue, capital markets, mortgage, and other banking related fees M ill io ns

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24 • Equipment financing • Focus on small ticket leasing • C&I and CRE lending • SBA lending • Logistics services (bailment, armored carrier, and currency) • Cash services (ATM/smart safes, reconciliation, and forecasting) • Trustee and agent services on asset securitizations and debt issuances • Custody/escrow services • Default/bankruptcy trustee Local Knowledge Combined with National Scale 1 AUA represents Assets Under Administration and AUM represents Assets Under Management; AUM includes certain flat-fee assets Note: Information is as of December 31, 2025, unless otherwise stated • 87 branches & 488 ATMs • Home Lending & Consumer loans • Built-in referral network • Financial planning • Family office services • Succession and estate planning • Investment management • Charitable/foundation strategies • Personal trust • Unique assets • Investment management • Business transactions • C&I, CRE, and Construction lending • Treasury Management • Capital Markets Private Wealth Management WSFS Institutional Services® Bryn Mawr Trust of Delaware Cash Connect® Consumer BankingCommercial Banking Small Business Banking NewLane Finance® FY25 Fees: $60.5 million AUA/AUM1: $11.2 billion FY25 Fees: $31.7 million AUA/AUM1: $56.0 billion FY25 Fees: $78.7 million AUA1: $30.2 billion FY25 Fees: $97.4 million Total Units: 36,446 Relationship-based banking generates high margins, resilient deposits, and fee opportunities Significant fee revenue is a key differentiator and serves as a growth engine for the franchise and banking products Loans: $3.0 billion Loans: $8.9 billion Deposits: $4.1 billion Loans: $0.8 billion Deposits: $1.9 billion Leases: $0.6 billion Deposits: $8.5 billion

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25 Focused on Relationship-Banking 1 Consumer Banking client deposits 2 Medallia; as of December 31, 2025. Net promotor score (NPS) is a client loyalty and satisfaction measurement 3 Includes owner-occupied Note: Information is as of December 31, 2025, unless otherwise stated Commercial Banking Small Business Banking Consumer Banking C&I Banking Commercial Real Estate Corporate Banking Business Banking SBA Lending Consumer Banking Home Lending Deep market experience with a full suite of capabilities 80+ dedicated relationship managers with knowledge of local economy and industries Averaging 20+ years of experience, including many with larger banks Capabilities in treasury management, capital markets, and cash logistics • 87 Branches and 488 ATMs • ~$98 million in deposits per branch1 • Relationship NPS score of 77.12 • >200K households • Home Lending team offers customized 1st and 2nd mortgage solutions with nationwide capabilities and expertise • Capturing ~50% deposit-to-loan ratio • Dedicated teams focused on healthcare and multi-cultural businesses • Average balance of >$47K per deposit account highlights relationship strength C&I CRE Construction C&I CRE Banking Mortgage Spring EQ Lendkey 23% Total loans 67% Total loans 6% Total loans 3 3

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26 Wealth and Trust: Overview 1 S&P Global; banks and thrifts with greater than $15 million annualized revenue generated from TTM (trailing twelve-month) fiduciary activities and between $5B to $100B in assets; data as of January 12, 2025 2 Excludes intercompany allocations 3 Medallia Note: As of December 31, 2025, unless otherwise stated $64.5 $78.1 $89.4 $97.4 $0 $20 $40 $60 $80 $100 $120 2022 2023 2024 2025 Bi llio ns AUA AUM AUA and AUM Trend Premier full-service national Wealth and Trust franchise • Diversified Fee Revenue: • $171.4 million in 2025, up 16% as compared to 20242 • 68% of FY25 fees came from outside of AUM-based services • Relationship and Client Growth: • ~11,300 Advisory Relationships; ~1,800 Institutional Clients • Exceptional Service: • Wealth NPS score of 79.33; leveraging Bryn Mawr Trust® brand 5th largest wealth business amongst full-service banks under $100 billion in assets1 Transaction- based, 17% Account- based, 51% AUM-based, 32% 2025 Fee Composition2 $124.8 $132.5 $148.1 $171.4 $0 $30 $60 $90 $120 $150 $180 2022 2023 2024 2025 M illi on s Fee Revenue Trend2 22'-25' CAGR: +15% 22'-25' CAGR: +11%

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27 Wealth and Trust: Private Wealth and Personal Trust Private Wealth Management (PWM) FY25 Fee Revenue: $60.5 million Bryn Mawr Trust of Delaware FY25 Fee Revenue: $31.7 million Trustee and advisory services, financial planning, investment management, family office and traditional banking services to high-net-worth clients Personal trust and fiduciary services to advisors supporting individuals and families across the U.S. and internationally 2025 Highlights: • $92.2 million fee revenue; up 3% compared to 2024 • $57.8 billion AUA and $9.4 billion AUM • Successfully referred ~$300 million of AUM internally • $1.3 billion Private Wealth deposits Strategic Opportunities: • Under 5% penetration rate of wealthy clients in our footprint; representing significant growth opportunity • Expanding strategic partnerships alongside referral programs • Distribute trust services more broadly to wealth, legal, and tax advisors $57.8 $9.4 $20 $30 $40 $50 $60 $70 2023 2024 2025 AU A/ AU M (B illi on s) AUA / AUM AUA AUM Note: As of December 31, 2025, unless otherwise stated 7.5K 0 2,000 4,000 6,000 8,000 4Q22 4Q23 4Q24 4Q25 N um be r o f A cc ou nt s Personal Trust Account Growth

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28 Wealth and Trust: WSFS Institutional Services® 1 Includes special purpose entity (SPE) revenue 2 2025 Asset-Backed Alert; activity based on total issuance of deals in the year Note: As of December 31, 2025, unless otherwise stated Trustees for U.S. ABS and MBS2 Issuance ($mm) Number of Deals Market Share % U.S. Bank 152,521$307 27.8% Citigroup 110,273$191 20.1% Wilmington Trust 92,117$183 16.8% WSFS Bank 64,187$169 11.7% Computershare 56,364$113 10.3% BNY Mellon 41,921$71 7.6% UMB Bank 21,706$39 4.0% Deutsche Bank 7,612$19 1.4% Others 1,399$3 0.3% 2025 Rank 2025 Highlights: • $78.7 million fee revenue; up 35% compared to 20241 • $30.2 billion AUA; up 9% YoY • $1.8 billion in deposits • 4th most active U.S. ABS and MBS trustee2 Global Capital Markets (GCM) FY25 Fee Revenue: $17.1 million A non-conflicted/independent provider of indenture trustee and agency services. Clients are typically in the leveraged/ distressed debt market. • Bankruptcy and Restructuring • Escrow and Custody Services Corporate Trust (CT) FY25 Fee Revenue: $61.1 million Premier provider of trustee and agency services. Clients are typically loan originators/purchasers and investment banks. • Asset Securitizations • Warehouse Financing • Delaware Trustee • Escrow, Verification, and Custody Services Strategic Opportunities: • Growing at an annual double-digit revenue pace • Expanding opportunities in paying agent role and CLO market with Moody's and Morningstar DBRS rating • Partnering with technology companies for paying and verification agent services $30.2 $1.8 $0.0 $0.4 $0.8 $1.2 $1.6 $2.0 $0 $10 $20 $30 $40 $50 2023 2024 2025 AUA Deposits AUA and Deposits ($bn)

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29 Cash Connect® Cash Supported ~$1.3 billion cash managed ATMs ~24,000 non-bank and 488 WSFS • WSFS has significant network in footprint • Support >50 Independent Operators Smart Safes ~11,900 smart safes (~2,200 clients) • +1,967 smart safes or +20% YoY Managed Services Armored Carrier Management: • ~8,000 units Cash Reconcilement & Forecasting: • ~900 reconcilement units • ~4,000 forecasting units Loss Protection Fees: • ~13,000 units 2025 Net Profit Margin of 11.5%1; up from 1.0% in 2024 Leading National Provider of Cash Logistics and Services Bailment, 62% Smart Safes, 13% Armored Services, 20% Other, 5% Strategic Opportunities: • Grow profit margin by leveraging pricing and network optimization opportunities • Annual double-digit growth in smart safe units • Streamline processes and improve Client experience while maintaining focus on risk management 1 Net profit margin represents pre-tax revenue after intercompany allocations divided by fees and NII 2 5.5% when excluding impacts of nonrecurring client termination. See Reconciliation of Non-GAAP for details on adjustments Note: As of December 31, 2025, unless otherwise stated FY25 Fee Composition 6.1% 1.0% 11.5% 0% 3% 6% 9% 12% 15% 2023 2024 2025 Net Profit Margin 5.5%2 79%, 75%, 67%, 21% 25% 33% 0% 20% 40% 60% 80% 100% 4Q23 4Q24 4Q25 Total Units Managed ATMs Smart Safes

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30 NewLane Finance® 1 Excludes acquired portfolios Note: As of December 31, 2025, unless otherwise stated Strategic Opportunities: • Building out the sales team to support growth in alignment with the credit risk environment • Focus on industries widely considered essentialSmall Ticket Equipment Financing (Leasing) Market Opportunity: • $100+ billion segment with over 100,000 equipment dealers • Over 33 million small businesses nationwide • ~30,000 small business clients; <1% market penetration in the space Granular with High-Yields and Collateral: • 4Q25 origination yield of 8.86% • ~$35,000 average deal size Asset Quality: • 4Q25 NCO: 1.64% of portfolio • 4Q25 Reserve: 2.73% of portfolio • 4Q25 DLQ: 1.18% of portfolio 4Q25 Portfolio Net Yield of 8.95%; up 4bps YoY 29.5 - 5 10 15 20 25 30 35 4Q23 4Q24 4Q25 Th ou sa nd s Clients $584 $- $100 $200 $300 $400 $500 $600 $700 4Q23 4Q24 4Q25 M ill io ns Lease Balances1

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31 Additional Loan Portfolio Information

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32 3 Commercial Loan Composition1 1 As defined by the North American Industry Classification System (NAICS) 2 Concentration limits are based on relationship exposure, and Tier-1 + ACL 3 Based on relationship's outstanding balances Note: As of December 31, 2025, unless otherwise stated 2 Highly diversified C&I, Owner-Occupied, CRE, and Construction Portfolios C&I and Owner-Occupied $4.7 billion CRE and Construction $4.9 billion Other, 16% Hotels, 15% Finance & Insurance, 11%Other Services (except Public Admin), 10% Healthcare & Social Assistance, 9% Contractors, 9% Retail Trade, 7% Manufacturing, 7% Food Services, 5% Professional, Science & Tech., 5% Wholesale Trade, 3% Real Estate Rental and Leasing, 3% • 26 distinct concentration limits2 • All in compliance • House lending limit of $100mm • No relationships > limit • 15 relationships over $50mm3 • 7% gross loans • CRE & Const./Tier 1 Capital + ACL: 204% • CRE & Const.: 37.1% of gross loans • Office: 5.0% of gross loans • Multifamily: 11.3% of gross loans • Construction: 7.7% of gross loans Non-Depository Financial Institutions: • $415mm (3.1% of gross loans) • No single portfolio >32% Concentration Statistics Residential Multifamily, 32% Retail, 26% Office, 13% Residential 1-4 , 11% Flex, Warehouse, Self-Storage, General Industrial, 9% Special Use & Other, 7% Medical Office, 2%

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33 3 CRE and Select Portfolios 1 Inclusive of Construction 2 Office portfolio metrics includes one C&I loan, in participation with another bank, to a fund that is invested in office properties predominantly in East Coast suburban markets 3 Office portfolio excludes $108.2mm ($109.0mm exposure) of Medical Office 2 $0.0 $0.1 $0.2 $0.3 $0.4 $0.5 $0.6 2026 2027 2028 2029 2030 Bi lli on s Volume of Maturing CRE Loans by Industry Office Multi-Family Industrial/Flex Retail Resi 1-4 Other CRE Portfolio: • Granular with an average loan balance of $1.3mm • ~82% of the portfolio effectively has a fixed rate (~35% of the portfolio fixed with ~73% of the variable rate portfolio swapped) • Continually reviewing $2.5mm+ loans maturing in the next 24 months and stress testing upcoming maturities at 7.50% interest rate to proactively address low DSCRs 13.2% 13.3% 12.2% 13.6% 12.4% Portfolio Maturity % • $665mm with $710mm exposure3; 5.0% of gross loans • $1.8mm average loan balance • 79% Suburban and 14% Urban; 7% of Office is in CBD4 • 12 loans over $10mm; 2 loans >$20mm (largest ~$26mm)5 • Average LTV of ~59% at origination • 3.4% DLQ; 2.6% NCO6; 1.06% NPA; 10.6% problem loans • 79% with recourse Office Portfolio1,2 • $1.5bn with $1.9bn exposure; 11.3% of gross loans • $2.7mm average loan balance • 54% Suburban and 38% Urban; 8% of CRE Multifamily is in CBD4 • 11 loans over $20mm; largest loan ~$31mm5 • Average LTV of ~59% at origination • 1.0% DLQ; 0% NCO6; 0.54% NPA; 2.45% problem loans • 86% with recourse Multifamily Portfolio1 4 Central Business District 5 Based on outstanding balance 6 Based on latest quarter annualized

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34 Reconciliation of Non-GAAP Financial Measures

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35 Non-GAAP Information This presentation contains financial measures determined by methods other than in accordance with accounting principles generally accepted in the United States (GAAP). This presentation may include the following non-GAAP measures: • Adjusted Net Income (non-GAAP) attributable to WSFS is a non-GAAP measure that adjusts net income determined in accordance with GAAP to exclude the realized/unrealized gain (loss) on equity investments, net, Visa derivative valuation adjustment, FDIC special assessment, loss on debt extinguishment, corporate development and restructuring expense, and remeasurement of lease liability; • Core noninterest income, also called Core Fee Revenue, is a non-GAAP measure that adjusts noninterest income as determined in accordance with GAAP to exclude the impact of realized/unrealized gain (loss) on equity investments, net, and Visa derivative valuation adjustment; • Core fee revenue ratio (%) is a non-GAAP measure that divides (i) Core Fee Revenue by (ii) Core Net Revenue (tax-equivalent); • Core net interest income is a non-GAAP measure that adjusts net interest income to exclude the impact of certain dividends; • Core Earnings Per Share (EPS) is a non-GAAP measure that divides (i) Adjusted Net Income (non-GAAP) attributable to WSFS by (ii) weighted average shares of common stock outstanding for the applicable period; • Core Net Revenue is a non-GAAP measure that adds (i) core net interest income and (ii) Core Fee Revenue; • Core Net Revenue (tax-equivalent) is a non-GAAP measure that adjusts core net revenue to include the impact of tax-equivalent income; • Core noninterest expense is a non-GAAP measure that adjusts noninterest expense as determined in accordance with GAAP to exclude FDIC special assessment, loss on debt extinguishment, corporate development and restructuring expenses, and remeasurement of lease liability; • Core Efficiency Ratio is a non-GAAP measure that divides (i) core noninterest expense by (ii) the sum of core interest income and Core Fee Revenue; • Core Return on Average Assets (ROA) is a non-GAAP measure that divides (i) Adjusted Net Income (non-GAAP) attributable to WSFS by (ii) average assets for the applicable period; • Effective AOCI is a non-GAAP measure that adds (i) unrealized losses on AFS securities, (ii) unrealized holding losses on securities transferred from AFS to HTM, and (iii) unrecognized fair value losses on HTM securities; • Tangible Common Equity (TCE) is a non-GAAP measure and is defined as total stockholders' equity of WSFS less goodwill and other intangible assets; • TCE Ratio is a non-GAAP measure that divides (i) TCE by (ii) tangible assets; • Tangible assets is a non-GAAP measure and is defined as total assets less goodwill and other intangible assets; • Adjusted tangible assets is a non-GAAP measure that adjusts tangible assets to include the impact of the liquidation of our investment securities portfolio; • Return on average tangible common equity (ROTCE) is a non-GAAP measure and is defined as net income allocable to common stockholders divided by tangible common equity; • Core ROTCE is a non-GAAP measure that is defined as adjusted net income (non-GAAP) attributable to WSFS divided by tangible common equity; • Net tangible income is a non-GAAP measure that adjusts net income determined in accordance with GAAP to exclude the impact of the amortization of intangible assets; • Core net tangible income is a non-GAAP measure that adjusts adjusted net income (non-GAAP) attributable to WSFS to exclude the impact of the amortization of intangible assets; • Tangible common book value per share (TBV) is a non-GAAP financial measure that divides (i) TCE by (ii) shares outstanding; • Tangible common equity including effective AOCI is a non-GAAP measure that adjusts tangible common equity to include effective AOCI; • Pre-provision Net Revenue (PPNR) is a non-GAAP measure that adjusts net income determined in accordance with GAAP to exclude the impacts of (i) income tax provision and (ii) provision for credit losses; • Core PPNR is a non-GAAP measure that adjusts PPNR to exclude the impact of realized/unrealized gain (loss) on equity investments, net, Visa derivative valuation adjustment, FDIC special assessment, loss on debt extinguishment, corporate development and restructuring expenses, and remeasurement of lease liability; • Core Return on Average Equity (ROE) is a non-GAAP measure that divides (i) Adjusted Net Income (non-GAAP) attributable to WSFS by (ii) average stockholders' equity for the applicable period; • Adjusted risk weighted assets is a non-GAAP measure that adjusts the Corp's risk weighted assets determined in accordance with GAAP to include the impact of the liquidation of our investment securities portfolio; • Adjusted average assets is a non-GAAP measure that adjusts the Corp's average assets determined in accordance with GAAP to include the impact of the liquidation of our investment securities portfolio; • Adjusted tangible assets is a non-GAAP measure that adjusts tangible assets to include the impact of the liquidation of our investment securities portfolio; • Adjusted total risk-based capital is a non-GAAP measure that adjusts total risk-based capital determined in accordance with GAAP to include effective AOCI; • Adjusted total risk-based capital ratio is a non-GAAP measure that divides (i) adjusted total risk-based capital by (ii) adjusted risk weighted assets; • Adjusted common equity Tier 1 capital is a non-GAAP measure that adjusts common equity Tier 1 capital determined in accordance with GAAP to include effective AOCI; • Adjusted common equity Tier 1 capital ratio is a non-GAAP measure that divides (i) adjusted common equity Tier 1 capital by (ii) adjusted risk weighted assets; • Adjusted Tier 1 capital is a non-GAAP measure that adjusts Tier 1 capital determined in accordance with GAAP to include effective AOCI; • Adjusted Tier 1 leverage ratio is a non-GAAP measure that divides (i) adjusted Tier 1 capital by (ii) adjusted average assets; and • Coverage ratio including the remaining credit marks is a non-GAAP measure that adjusts the coverage ratio to include the impact of the remaining credit marks on the acquired loan portfolios.

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36 Appendix: Non-GAAP Financial Information Three Months Ended For the Year Ended (dollars in thousands) December 31, 2025 September 30, 2025 December 31, 2024 December 31, 2025 December 31, 2024 Net interest income (GAAP) $187,353 $184,023 $178,207 $726,087 $705,438 Core net interest income (non-GAAP) $187,353 $184,023 $178,207 $726,087 $705,438 Noninterest income (GAAP) $84,521 $86,471 $83,307 $339,898 $340,920 Plus: Unrealized loss on equity investments, net (4,057) — — (4,057) — Less: Realized gain on sale of equity investment, net — 939 123 957 2,309 (Plus)/less: Visa derivative valuation adjustment (1,500) (2,429) — (3,929) 2,829 Core fee revenue (non-GAAP) $90,078 $87,961 $83,184 $346,927 $335,782 Core net revenue (non-GAAP) $277,431 $271,984 $261,391 $1,073,014 $1,041,220 Core net revenue (non-GAAP) (tax-equivalent) $277,957 $272,482 $261,811 $1,074,980 $1,042,785 Noninterest expense (GAAP) $161,973 $163,056 $169,126 $636,167 $637,689 Less: FDIC special assessment — — — — 880 Less: Loss on debt extinguishment 1,151 352 — 1,503 (112) Less/(plus): Corporate development expense 55 171 61 (44) 473 (Plus)/less: Restructuring expense (126) 398 2,193 532 2,193 Core noninterest expense (non-GAAP) $160,893 $162,135 $166,984 $634,176 $634,255 Core efficiency ratio (non-GAAP) 57.9 % 59.5 % 63.8 % 59.0 % 60.8 % Core fee revenue ratio (non-GAAP)(tax-equivalent) 32.4 % 32.3 % 31.8 % 32.3 % 32.2 % Three Months Ended (dollars in thousands, except per share data) December 31, 2025 September 30, 2025 December 31, 2024 Calculation of tangible common equity ratio: Total Assets (GAAP) $21,314,076 $20,840,415 $20,814,303 Less: Goodwill and other intangible assets 969,903 973,677 988,160 Total tangible assets (non-GAAP) $20,344,173 $19,866,738 $19,826,143 Total stockholders' equity of WSFS (GAAP) $2,738,545 $2,753,273 $2,589,752 Less: Goodwill and other intangible assets 969,903 973,677 988,160 Total tangible common equity (non-GAAP) $1,768,642 $1,779,596 $1,601,592 Equity to asset ratio (GAAP) 12.85 % 13.21 % 12.44 % Tangible common equity to tangible assets ratio (non-GAAP) 8.69 % 8.96 % 8.08 % Three Months Ended (dollars in thousands) December 31, 2025 Calculation of effective AOCI: Unrealized losses on AFS securities $376,545 Unrealized losses on securities transferred from AFS to HTM 63,409 Unrecognized fair value on HTM securities 85,409 Effective AOCI (non-GAAP) $525,363 Calculation of coverage ratio including the estimated remaining credit marks: Coverage ratio 1.36 % Plus: Estimated remaining credit marks on the acquired loan portfolios 0.10 Coverage ratio including the estimated remaining credit marks (non-GAAP) 1.46 %

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37 Appendix: Non-GAAP Financial Information Three Months Ended For the Year Ended Nine Months Ended (dollars in thousands, except per share data) December 31, 2025 September 30, 2025 December 31, 2024 December 31, 2025 December 31, 2024 September 30, 2025 GAAP net income attributable to WSFS $72,678 $76,449 $64,202 $287,349 $263,671 $214,671 Plus/(less): Pre-tax adjustments1 6,637 2,411 2,019 9,020 (1,704) 2,383 (Less)/plus: Tax impact of pre-tax adjustments (1,637) (589) (445) (2,097) 485 (616) Adjusted net income (non-GAAP) attributable to WSFS $77,678 $78,271 $65,776 $294,272 $262,452 $216,438 Net income (GAAP) $72,694 $76,467 $64,155 $287,249 $263,495 $214,555 Plus: Income tax provision 24,538 24,405 20,197 93,363 83,764 68,825 Plus: Provision for credit losses 12,669 6,566 8,036 49,206 61,410 36,537 PPNR (Non-GAAP) 109,901 107,438 92,388 429,818 408,669 319,917 Plus/(less): Pre-tax adjustments1 6,637 2,411 2,019 9,020 (1,704) 2,383 Core PPNR (Non-GAAP) $116,538 $109,849 $94,407 $438,838 $406,965 $322,300 GAAP return on average assets (ROA) 1.33 % 1.44 % 1.21 % 1.36 % 1.27 % 1.37 % Plus/(less): Pre-tax adjustments1 0.12 0.05 0.04 0.04 (0.01) 0.02 (Plus)/less: Tax impact of pre-tax adjustments (0.03) (0.01) (0.01) (0.01) — — Core ROA (non-GAAP) 1.42 % 1.48 % 1.24 % 1.39 % 1.26 % 1.39 % Earnings per share (diluted)(GAAP) $1.34 $1.37 $1.09 $5.09 $4.41 $3.75 Plus/(less): Pre-tax adjustments1 0.12 0.04 0.03 0.16 (0.03) 0.04 (Plus)/less: Tax impact of pre-tax adjustments (0.03) (0.01) (0.01) (0.04) 0.01 — Core earnings per share (non-GAAP) $1.43 $1.40 $1.11 $5.21 $4.39 $3.79 1 Pre-tax adjustments include realized/unrealized gain (loss) on equity investments, net, Visa derivative valuation adjustment, FDIC special assessment, loss on debt extinguishment, and corporate development and restructuring expense

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38 Appendix: Non-GAAP Financial Information Three Months Ended For the Year Ended Nine Months Ended (dollars in thousands) December 31, 2025 September 30, 2025 December 31, 2024 December 31, 2025 September 30, 2025 Calculation of return on average tangible common equity: GAAP net income attributable to WSFS $72,678 $76,449 $64,202 $287,349 $214,671 Plus: Tax effected amortization of intangible assets 2,782 2,864 2,965 11,538 8,756 Net tangible income (non-GAAP) $75,460 $79,313 $67,167 $298,887 $223,427 Average stockholders' equity of WSFS $2,742,480 $2,694,883 $2,643,325 $2,682,068 $2,661,709 Less: Average goodwill and intangible assets 972,332 976,270 990,762 979,420 981,809 Net average tangible common equity $1,770,148 $1,718,613 $1,652,563 $1,702,648 $1,679,900 Return on average equity (GAAP) 10.51 % 11.25 % 9.66 % 10.71 % 10.78 % Return on average tangible common equity (non-GAAP) 16.91 % 18.31 % 16.17 % 17.55 % 17.78 % Calculation of core return on average tangible common equity: Adjusted net income (non-GAAP) attributable to WSFS $77,678 $78,271 $65,776 $294,272 $216,438 Plus: Tax effected amortization of intangible assets 2,782 2,864 2,965 11,538 8,756 Core net tangible income (non-GAAP) $80,460 $81,135 $68,741 $305,810 $225,194 Net average tangible common equity $1,770,148 $1,718,613 $1,652,563 $1,702,648 $1,679,900 Core return on average equity (non-GAAP) 11.24 % 11.52 % 9.90 % 10.97 % 10.87 % Core return on average tangible common equity (non-GAAP) 18.03 % 18.73 % 16.55 % 17.96 % 17.92 %

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39 Appendix: Non-GAAP Financial Information (dollars in thousands, except per share data) December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024 December 31, 2023 Calculation of tangible common book value per share: Total stockholders' equity of WSFS (GAAP) $2,738,545 $2,753,273 $2,682,728 $2,671,614 $2,589,752 $2,678,264 $2,489,580 $2,473,481 $2,477,636 Less: Goodwill and other intangible assets 969,903 973,677 977,546 983,882 988,160 992,163 996,181 1,000,344 1,004,560 Total tangible common equity (non-GAAP) 1,768,642 1,779,596 1,705,182 1,687,732 1,601,592 1,686,101 1,493,399 1,473,137 1,473,076 Shares outstanding (000s) 53,410 55,427 56,235 57,693 58,657 59,033 59,261 60,084 60,538 Tangible common book value per share (non-GAAP) $33.11 $32.11 $30.32 $29.25 $27.30 $28.56 $25.20 $24.52 $24.33 (dollars in thousands, except per share data) September 30, 2023 June 30, 2023 March 31, 2023 December 31, 2022 September 30, 2022 June 30, 2022 March 31, 2022 December 31, 2021 Calculation of tangible common book value per share: Total stockholders' equity of WSFS (GAAP) $2,242,795 $2,314,659 $2,306,362 $2,205,113 $2,103,593 $2,315,360 $2,520,463 $1,939,099 Less: Goodwill and other intangible assets 1,008,472 1,004,278 1,008,250 1,012,232 1,016,413 1,019,857 1,032,189 547,231 Total tangible common equity (non-GAAP) 1,234,323 1,310,381 1,298,112 1,192,881 1,087,180 1,295,503 1,488,274 1,391,868 Shares outstanding (000s) 60,728 61,093 61,387 61,612 61,949 63,587 64,735 47,609 Tangible common book value per share (non-GAAP) $20.33 $21.45 $21.15 $19.36 $17.55 $20.37 $22.99 $29.24

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40 Appendix: Non-GAAP Financial Information As of December 31, (dollars in thousands) 2025 Calculation of adjusted common equity Tier 1 capital: Common equity tier 1 capital (GAAP) $2,239,566 Less: Effective AOCI (non-GAAP) 525,363 Adjusted common equity tier 1 capital (non-GAAP) $1,714,203 Risk Weighted Assets (GAAP) $16,083,078 Less: Debt securities 1,000,043 Adjusted Risk Weighted Assets (non-GAAP) $15,083,035 Common equity Tier 1 capital (GAAP) 13.92 % Adjusted common equity Tier 1 capital ratio (non-GAAP) 11.37 % Calculation of adjusted Tier 1 leverage: Tier 1 capital (GAAP) $2,239,566 Less: Effective AOCI (non-GAAP) 525,363 Adjusted Tier 1 capital (non-GAAP) $1,714,203 Average assets (Corp) (GAAP) $21,143,520 Less: Average debt securities 4,480,006 Adjusted average assets (non-GAAP) $16,663,514 Tier 1 leverage (GAAP) 10.59 % Adjusted Tier 1 leverage (non-GAAP) 10.29 % As of December 31, (dollars in thousands) 2025 Calculation of adjusted total risk-based capital: Total risk-based capital (GAAP) $2,519,839 Less: Effective AOCI (non-GAAP) 525,363 Adjusted total risk-based capital (non-GAAP) $1,994,476 Risk Weighted Assets (GAAP) $16,083,078 Adjusted Risk Weighted Assets (non-GAAP) 15,083,035 Total risk-based capital (GAAP) 15.67 % Adjusted total risk-based capital ratio (non-GAAP) 13.22 % Calculation of adjusted tangible common equity to tangible assets ratio (non-GAAP): Total tangible assets (non-GAAP) $20,344,173 Less: Investment securities, AFS & HTM 4,510,577 Total adjusted tangible assets (non-GAAP) $15,833,596 Total tangible common equity (non-GAAP) $1,768,642 Less: Unrecognized fair value on HTM securities 85,409 Total adjusted tangible common equity (non-GAAP) $1,683,233 Tangible common equity to tangible assets ratio (non-GAAP) 8.69 % Tangible common equity to tangible assets ratio including effective AOCI (non-GAAP) 10.63 %

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41 Appendix: Non-GAAP Financial Information For the year ended December 31, (dollars in thousands) 2021 2022 2023 2024 2025 Net Income (GAAP) $271,442 $222,375 $269,156 $263,671 $287,350 Adj: Plus/(less) core (after-tax)1 (2,893) 48,310 9,683 (1,219) 6,922 Adj: Plus BMT LD1 initial provision (after-tax) — 17,565 — — — Adjusted net income (non-GAAP) $268,549 $288,250 $278,839 $262,452 $294,272 Average Assets $14,903,920 $20,463,695 $20,203,037 $20,821,071 $21,095,621 GAAP ROA 1.82 % 1.09 % 1.33 % 1.27 % 1.36 % Core ROA (non-GAAP) 1.80 % 1.41 % 1.38 % 1.26 % 1.39 % Net interest income (as reported) $433,649 $662,890 $725,103 $705,438 $726,087 Core net interest income (non-GAAP) 434,649 664,798 726,918 707,003 728,053 Tax-equivalent income 1,000 1,908 1,815 1,565 1,966 Noninterest income (as reported) $185,480 $260,134 $289,871 $340,920 $339,899 Adj: Securities gains (331) — — — — Adj: Realized loss (gain) on sale of equity investment, net 706 — (9,493) (2,309) (957) Adj: Unrealized (gain) loss on equity investment, net (5,141) (5,980) (329) — 4,057 Adj: Visa B valuation adjustment — 2,877 2,460 (2,829) 3,929 Core noninterest income $180,714 $257,031 $282,509 $335,782 $346,928 Core net revenue $614,363 $919,921 $1,007,612 $1,041,220 $1,073,015 Core net revenue (tax-equivalent) $615,363 $921,829 $1,009,427 $1,042,785 $1,074,981 Core fee income % 29.4 % 27.9 % 28.0 % 32.2 % 32.3 % Core fee income % (tax-equivalent) 29.4 % 27.9 % 28.0 % 32.2 % 32.3 % 1 For details on our core adjustments for full-year 2021 through 2025 refer to each years' respective fourth quarter Earnings Release filed at Exhibit 99.1 on Form 8-K

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42 Appendix: Non-GAAP Financial Information For the Year Ended December 31, (dollars in thousands) 2021 2022 2023 2024 2025 Calculation of return on average tangible common equity: GAAP net income attributable to WSFS $271,442 $222,375 $269,156 $263,671 $287,350 Plus: Tax effected amortization of intangible assets 8,069 11,752 11,724 11,893 11,538 Net tangible income (non-GAAP) $279,511 $234,127 $280,880 $275,564 $298,888 Average stockholders' equity of WSFS $1,848,904 $2,398,871 $2,300,467 $2,535,737 $2,682,068 Less: Average goodwill and intangible assets 552,345 1,012,233 1,008,128 996,899 979,420 Net average tangible common equity $1,296,559 $1,386,638 $1,292,339 $1,538,838 $1,702,648 Return on average equity (GAAP) 14.68 % 9.27 % 11.70 % 10.40 % 10.71 % Return on average tangible common equity (non-GAAP) 21.56 % 16.88 % 21.73 % 17.91 % 17.55 % Calculation of core return on average tangible common equity: Adjusted net income (non-GAAP) attributable to WSFS $268,549 $270,685 $278,839 $262,452 $294,272 Plus: Tax effected amortization of intangible assets 8,069 11,752 11,724 11,893 11,538 Core net tangible income (non-GAAP) $276,618 $282,437 $290,563 $274,345 $305,810 Net average tangible common equity $1,296,559 $1,386,638 $1,292,339 $1,538,838 $1,702,648 Core return on average equity (non-GAAP) 14.52 % 11.28 % 12.12 % 10.35 % 10.97 % Core return on average tangible common equity (non-GAAP) 21.33 % 20.37 % 22.48 % 17.83 % 17.96 % For the Year Ended December 31, (dollars in thousands) 2025 2024 2023 Calculation of adjusted Cash Connect® profit margin: Cash Connect® net revenue $85,377 $101,170 $69,434 Plus: Impact of client termination — 2,818 — Adjusted Cash Connect® net revenue $85,377 $103,988 $69,434 Cash Connect® pre-tax income $9,828 $999 $4,235 Plus: Impact of client termination — 4,716 — Adjusted Cash Connect® pre-tax income $9,828 $5,715 $4,235 GAAP Cash Connect® profit margin 11.5 % 1.0 % 6.1 % Adjusted Cash Connect® profit margin 11.5 % 5.5 % 6.1 %

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