# EDGAR Filing Document

**Accession Number:** 0000828944
**File Stem:** 0000828944-25-000007
**Filing Date:** 2025-10
**Character Count:** 107067
**Document Hash:** b8cf9e4d5091ebc646a7cb9817f4cb71
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000828944-25-000007.hdr.sgml**: 20251023

**ACCESSION NUMBER**: 0000828944-25-000007

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 33

**CONFORMED PERIOD OF REPORT**: 20251023

**ITEM INFORMATION**: Completion of Acquisition or Disposition of Assets

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251023

**DATE AS OF CHANGE**: 20251023

**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:** 251413140

**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-20251023

**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**

**October 23, 2025** 

**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 October 23, 2025, WSFS Financial Corporation (the "Registrant") issued a press release to report earnings for the quarter ended September 30, 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 fourth quarter of 2025. 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 October 23, 2025](exhibit991earningsrelease0.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 3Q 2025 Earnings Release Supplement, dated October 23, 2025](a3q25supplement102225vf.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: | October 23, 2025 | By: | /s/ David Burg |
|  |  |  | David Burg<br>Executive Vice President, Chief Financial Officer |

---

## Exhibit 99.1

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 1 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

---

| | |
|:---|:---|
| | **EXHIBIT 99.1** |
| **FOR IMMEDIATE RELEASE** | Investor Relations Contact: Andrew Basile |
|  | (302) 504-9857; abasile@wsfsbank.com |
| October 23, 2025 | Media Contact: Connor Peoples |
|  | (215) 864-5645; cpeoples@wsfsbank.com |

---

**WSFS REPORTS 3Q 2025 EPS OF $1.37, YOY EPS GROWTH OF 27%**

**ROA OF 1.44% AND NIM OF 3.91%**

**IMPROVEMENT IN ASSET QUALITY METRICS**

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

Selected financial results and metrics are as follows:

---

| | | | |
|:---|:---|:---|:---|
| *(Dollars in millions, except per share data)* | **3Q 2025** | 2Q 2025 | 3Q 2024 |
| Net interest income | $**184.0** | $179.5 | $177.5 |
| Fee revenue | **86.5** | 88.0 | 90.2 |
| Total net revenue | **270.5** | 267.5 | 267.7 |
| Provision for credit losses | **6.6** | 12.6 | 18.4 |
| Noninterest expense | **163.1** | 159.3 | 163.7 |
| Net income attributable to WSFS | **76.4** | 72.3 | 64.4 |
| Pre-provision net revenue (PPNR)<sup>(1)</sup> | **107.4** | 108.2 | 103.9 |
| Earnings per share (EPS) (diluted) | **1.37** | 1.27 | 1.08 |
| Return on average assets (ROA) (a) | **1.44%** | 1.39% | 1.22% |
| Return on average equity (ROE) (a) | **11.3** | 10.9 | 10.0 |
| Fee revenue as % of total net revenue | **31.9** | 32.8 | 33.6 |
| Efficiency ratio | **60.2** | 59.5 | 61.1 |

---

See "Notes"

GAAP results for the quarterly periods shown included items that are excluded from core results. Below is a summary of the financial effects of these items. For additional detail, refer to the Non-GAAP Reconciliation in the back of this earnings release.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **3Q 2025** | **3Q 2025** | 2Q 2025 | 2Q 2025 | 3Q 2024 | 3Q 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) |
| Fee revenue | $**(1.5)** | $**(0.02)** | $— | $— | $0.1 | $— |
| Noninterest expense | **0.9** | **0.01** | (0.3) |  |  |  |
| Income tax impacts | **(0.6)** | **(0.01)** | 0.1 | 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 comparable GAAP measures, see "Non-GAAP Reconciliation" at the end of the press release.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 2 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**CEO Commentary**

Rodger Levenson, Chairman, CEO and President, said, "WSFS continued to perform well in the third quarter with a core EPS<sup>(2)</sup> of $1.40, reflecting 30% year-over-year growth, core ROA<sup>(2)</sup> of 1.48%, an increase of 26bps year-over-year, and tangible book value per share<sup>(2)</sup> of $32.11, an increase of 12% year-over-year.

"These results were driven by a continued strong net interest margin of 3.91%, solid fee performance across a number of businesses including Capital Markets, Cash Connect<sup>®</sup>, Institutional Services, and the Bryn Mawr Trust Company of Delaware, and lower provision expense.

"Client deposits grew 2% (annualized) compared to 2Q 2025 and our WSFS-originated consumer loans grew 13% (annualized) over the prior quarter. We also saw notable improvements across our asset quality metrics, driven by the positive resolution of two large nonperforming loans.

"During the quarter, we continued the execution of our share repurchase program with total year-to-date repurchases of 3.4 million shares, or approximately 6% of shares outstanding as of December 31, 2024.

"We remain focused on building upon our momentum into the fourth quarter, and delivering long-term sustainable high performance, consistent with our 2025-2027 Strategic Plan."

<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 comparable GAAP measures, see "Non-GAAP Reconciliation" at the end of the press release.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 3 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Highlights for 3Q 2025:** 

**•** Core EPS of $1.40 and core ROA of 1.48% compared to $1.27 and 1.38% for 2Q 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Year-over-year core EPS increased 30% and core ROA increased 26bps.

**•** Core PPNR<sup>(3)</sup> of $109.8 million, compared to $107.8 million for 2Q 2025.

• Continued strong net interest margin of 3.91%, compared to 3.89% for 2Q 2025.

**•** Growth in client deposits while maintaining strong average noninterest demand composition of 32%.

• Double-digit year-over-year fee revenue growth in Wealth and Trust, coupled with strong quarter-over-quarter performance in Capital Markets and Cash Connect<sup>®</sup>.

• Total net credit costs were $8.4 million, compared to $14.3 million for 2Q 2025.

• Improvement in problem assets, nonperforming assets, and delinquencies driven by the resolution of several large problem loans with no additional losses.

***•*** WSFS repurchased 827,100 shares of common stock (1.5% of outstanding shares as of 2Q 2025) at an average price of $56.53 per share, totaling an aggregate of $46.8 million, and paid quarterly dividends of $9.5 million, for a total capital return of $56.3 million. Year-to-date, total capital returned to stockholders through share repurchases and quarterly dividends was $206.2 million.

<sup>(3)</sup> As used in this press release, core PPNR is a non-GAAP financial measure. This non-GAAP financial measure excludes certain pre-tax adjustments and the tax impact of such adjustments. For a reconciliation of non-GAAP financial measures to their comparable GAAP measures, see "Non-GAAP Reconciliation" at the end of the press release.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 4 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Third Quarter 2025 Discussion of Financial Results**

**Balance Sheet**

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loans and Leases** | | | | | | |
| *(Dollars in millions)* | **September 30, 2025** | **September 30, 2025** | June 30, 2025 | June 30, 2025 | September 30, 2024 | September 30, 2024 |
| Commercial & industrial (C&I)<sup>(4)</sup> | $**4587** | **36%** | $4731 | 36% | $4661 | 35% |
| Commercial mortgage | **3856** | **30** | 3911 | 30 | 4149 | 32 |
| Construction | **1004** | **7** | 858 | 7 | 806 | 6 |
| Commercial small business leases | **617** | **5** | 630 | 5 | 645 | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total commercial loans and leases | **10064** | **78** | 10130 | 78 | 10261 | 78 |
| Residential mortgage | **1062** | **8** | 1016 | 8 | 965 | 7 |
| Consumer | **1897** | **15** | 2006 | 15 | 2138 | 16 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gross loans and leases | **13023** | **101%** | 13152 | 101% | 13364 | 101% |
| Allowance for Credit Losses (ACL) | **(183)** | **(1)** | (186) | (1) | (197) | (1) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net loans and leases | $**12840** | **100%** | $12966 | 100% | $13167 | 100% |

---

At September 30, 2025, WSFS' gross loan and lease portfolio decreased $128.5 million, or 1% (not annualized), when compared with June 30, 2025. The decrease reflects the previously announced sale of Upstart loans during the quarter and continued runoff in the Spring EQ portfolio. Excluding these impacts, gross loan and leases were essentially flat. Construction loans grew 17%, primarily through draws on existing commitments, while residential mortgage and WSFS-originated consumer loans grew 5% and 3%, respectively. C&I decreased 3%, as new fundings were more than offset by the payoff of several problem loans and lower net line utilization.

Gross loans and leases at September 30, 2025 decreased $340.7 million, or 3%, when compared with September 30, 2024. Excluding the impacts of the Upstart and Spring EQ portfolios, loans and leases were flat, with growth in constructions loans (25%), WSFS-originated consumer loans (14%), and residential mortgage (10%). The growth in consumer and mortgage loans reflects momentum in our Home Lending business where we continue to invest in talent and product capabilities. These increases were offset by declines in C&I and commercial mortgage.

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

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 5 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Client Deposits** | | | | | | |
| ***(****Dollars in millions)* | **September 30, 2025** | **September 30, 2025** | June 30, 2025 | June 30, 2025 | September 30, 2024 | September 30, 2024 |
| Noninterest demand | $**5237** | **31%** | $5306 | 31% | $4686 | 29% |
| Interest-bearing demand | **2966** | **17** | 2806 | 16 | 2931 | 18 |
| Savings | **1408** | **8** | 1452 | 9 | 1489 | 9 |
| Money market | **5536** | **32** | 5471 | 32 | 5178 | 31 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total core deposits | **15147** | **88** | 15035 | 88 | 14284 | 87 |
| Time deposits | **2079** | **12** | 2086 | 12 | 2143 | 13 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total client deposits | $**17226** | **100%** | $17121 | 100% | $16427 | 100% |

---

Total client deposits increased by $104.7 million, or 1% (2% annualized), when compared with June 30, 2025, mostly due to seasonal increases in municipal deposits. Noninterest demand deposits comprised 32% of average total client deposits and continue to provide a strong deposit base.

Total client deposits increased by $799.2 million, or 5%, from September 30, 2024, driven by broad-based growth across all business lines, with 12% growth in noninterest demand and 7% in money market.

The deposit base remains well-diversified, with 52% 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 38bps for the quarter. The loan-to-deposit ratio<sup>(5)</sup> was 75% at September 30, 2025, providing continued capacity to fund future loan growth.

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

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 6 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Net Interest Income** 

---

| | | | |
|:---|:---|:---|:---|
| | Three Months Ending | Three Months Ending | Three Months Ending |
| ***(****Dollars in millions)* | **September 30, 2025** | June 30, 2025 | September 30, 2024 |
| Net interest income before purchase accretion | $**182.6** | $177.5 | $175.5 |
| Purchase accounting accretion | **1.4** | 2.0 | 2.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income | $**184.0** | $179.5 | $177.5 |
| Net interest margin before purchase accretion | **3.88%** | 3.84% | 3.74% |
| Purchase accounting accretion | **0.03** | 0.05 | 0.04 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest margin | **3.91%** | 3.89% | 3.78% |

---

Net interest income increased $4.5 million, or 3% (not annualized), compared to 2Q 2025, driven by an interest recovery from the full payoff of a nonperforming loan and higher cash balances from growth in deposits.

Net interest income increased $6.5 million, or 4%, compared to 3Q 2024, driven by lower deposit and wholesale funding costs as well as higher cash balances from growth in deposits. The increase was partially offset by lower loan yields due to rate cuts in late 2024.

Total loan yields were 6.64%, an increase of 4bps when compared to 2Q 2025, driven by the aforementioned interest recovery and partially offset by the sale of the higher-yielding Upstart loans. Total client deposit costs were 1.62% and interest-bearing deposit costs were 2.37%, a decrease of 1bp each compared to the prior quarter.

Net interest margin of 3.91% increased 2bps compared to 2Q 2025 due to higher interest-earning cash from deposit growth, while a 4bps increase from the aforementioned interest recovery was partially offset by the impact of the Upstart sale. Net interest margin increased 13bps from 3Q 2024 due to deposit repricing actions, continued wholesale funding optimization, and higher cash balances, partially offset by lower loan balances and loan yields.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 7 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Asset Quality**

---

| | | | |
|:---|:---|:---|:---|
| *(Dollars in millions)* | **September 30, 2025** | June 30, 2025 | September 30, 2024 |
| Problem assets<sup>(6)</sup> | $**629.7** | $683.1 | $721.5 |
| Delinquencies (n) | **104.7** | 158.0 | 147.6 |
| Nonperforming assets (n) | **72.6** | 106.2 | 91.3 |
| Net charge-offs on loans and leases | **9.9** | 9.8 | 19.2 |
| Total net credit costs (r) | **8.4** | 14.3 | 20.1 |
| Problem assets to total Tier 1 capital plus ACL on loans and leases | **26.64%** | 29.83% | 30.11% |
| Classified assets to total Tier 1 capital plus ACL on loans and leases | **19.20** | 21.60 | 21.41 |
| Ratio of nonperforming assets to total assets (n) | **0.35** | 0.51 | 0.44 |
| Delinquencies (n) to gross loans (i) | **0.81** | 1.22 | 1.11 |
| Ratio of quarterly net charge-offs to average gross loans | **0.30** | 0.30 | 0.58 |
| Ratio of allowance for credit losses to total loans and leases (q) | **1.41** | 1.43 | 1.48 |
| Ratio of allowance for credit losses to nonaccruing loans (n) | **254** | 177 | 219 |

---

See "Notes"

In the quarter, we saw decreases of $53.4 million in problem assets (319bps of Tier 1 capital plus ACL on loans and leases), $33.6 million (16bps of total assets) in nonperforming assets, and $53.3 million (41bps of gross loans) in delinquencies, compared to June 30, 2025. These results were primarily driven by the payoff of several large loans with no additional losses.

Total net credit costs were $8.4 million in the quarter, a decrease of $5.9 million, compared to $14.3 million in 2Q 2025, driven by the aforementioned payoffs and favorable asset quality performance.

Net charge-offs were consistent with 2Q 2025 levels at $9.9 million, or 30bps (annualized) of average gross loans during the quarter, reflecting higher Commercial charge-offs offset by a reduction from Upstart.

The ACL on loans and leases was $183.2 million as of September 30, 2025, a decrease of $3.1 million from June 30, 2025, driven by lower loan balances and the improved asset quality metrics noted above. The ACL coverage ratio decreased 2bps to 1.41%.

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

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 8 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

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

Core fee revenue (noninterest income) of $88.0 million was flat compared to 2Q 2025 and was impacted by several previously announced items, including the termination of our partnership with Commonwealth Financial Network (Commonwealth), the sale of the Powdermill business, and the Spring EQ earnout, all in 2Q 2025. Excluding these items, core fee revenue increased $4.3 million<sup>(7)</sup>, or 5%, primarily driven by Capital Markets and Cash Connect<sup>®</sup>.

Core fee revenue decreased $2.1 million, or 2%, compared to 3Q 2024. Excluding the impacts from the aforementioned business transactions and the prior year Spring EQ earnout, core fee revenue increased $2.1 million, or 2%. The increase was driven by a $6.8 million increase in Wealth and Trust, as Institutional Services and The Bryn Mawr Trust Company of Delaware (BMT of DE) both had double digit growth, as well as a $2.3 million increase from other banking fees. The increase was partially offset by a $6.5 million decline in Cash Connect<sup>®</sup>, primarily driven by the lower interest rate environment (which was more than offset in noninterest expense) and lower ATM volume.

For 3Q 2025, our core fee revenue ratio<sup>(7)</sup> was 32.3% compared to 32.8% in 2Q 2025 and 33.6% in 3Q 2024. Fee revenue is a competitive differentiator providing a well-diversified source of revenue with further growth opportunities expected.

<sup>(7)</sup> As used in this press release, core fee revenue, adjusted 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 comparable GAAP measures, see "Non-GAAP Reconciliation" at the end of the press release.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 9 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

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

Core noninterest expense of $162.1 million increased $2.5 million, or 2% (not annualized), compared to 2Q 2025. The increase is primarily due to higher salaries and benefits, driven by higher medical costs and performance-based incentive accruals.

Core noninterest expense decreased $1.5 million, or 1%, compared to 3Q 2024. The decrease was largely driven by a $5.4 million decrease in Cash Connect<sup>®</sup> external funding costs due to lower volumes and rates, as well as a $1.1 million decrease in occupancy expense. These decreases were partially offset by higher salaries and benefits, primarily as a result of talent additions in key business areas and performance-based increases.

Our core efficiency ratio<sup>(8)</sup> was 59.5% in 3Q 2025, compared to 59.6% in 2Q 2025 and 61.1% in 3Q 2024.

**Income Taxes**

We recorded a $24.4 million income tax provision in 3Q 2025, compared to $23.3 million in 2Q 2025 and $21.1 million in 3Q 2024. The increase compared to 2Q 2025 was primarily due to higher income before taxes and the increase compared to 3Q 2024 was primarily due to higher income before taxes and certain tax credits recognized in 2024.

The effective tax rate was 24.2% in 3Q 2025 compared to 24.4% in 2Q 2025 and 24.7% in 3Q 2024. The decrease in effective tax rate compared to 3Q 2024 is attributable to lower state taxes.

<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 comparable GAAP measures, see "Non-GAAP Reconciliation" at the end of the press release.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 10 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.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 September 30, 2025, with a Common Equity Tier 1 capital ratio and Tier 1 capital ratio of 14.39%, Tier 1 leverage ratio of 11.11%, and Total Risk-based capital ratio of 16.19%.

WSFS' total stockholders' equity increased $70.5 million, or 3% (not annualized), during 3Q 2025. The increase was primarily due to quarterly earnings of $76.4 million and a decrease in accumulated other comprehensive loss of $47.5 million, driven by market-value increases on available-for-sale investment securities. The increase was partially offset by capital returns to stockholders of $56.3 million (comprised of $46.8 million from share repurchases and $9.5 million from quarterly dividends).

WSFS' tangible common equity<sup>(9)</sup> increased $74.4 million, or 4% (not annualized), compared to June 30, 2025, primarily due to the reasons described above. WSFS' common equity to assets ratio increased 29bps to 13.21% during the quarter, and our tangible common equity to tangible assets ratio<sup>(9)</sup> was 8.96% at September 30, 2025, an increase of 34bps, compared to the prior quarter.

At September 30, 2025, book value per share was $49.67, an increase of $1.96, or 4% (not annualized), from June 30, 2025, and tangible book value per share was $32.11, an increase of $1.79, or 6% (not annualized), from June 30, 2025, due to the reasons described above. Book value per share increased $4.30, or 9%, and tangible book value per share increased $3.55, or 12%, compared to 3Q 2024.

During 3Q 2025, WSFS repurchased 827,100 shares of common stock for an aggregate of $46.8 million. As of September 30, 2025, WSFS has 5,650,675 shares, or approximately 10% of outstanding shares, available for repurchase under its current authorizations. Year-to-date, total capital returned to stockholders through share repurchases and quarterly dividends was $206.2 million.

The Board of Directors approved a quarterly cash dividend of $0.17 per share of common stock. This dividend will be paid on November 21, 2025 to stockholders of record as of November 7, 2025.

<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 comparable GAAP measures, see "Non-GAAP Reconciliation" at the end of the press release.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 11 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.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)* | **September 30, 2025** | June 30, 2025 | September 30, 2024 |
| Net interest income | $**24.0** | $23.0 | $21.6 |
| Provision for credit losses | **(0.1)** | 4.4 |  |
| Fee revenue<sup>(10)</sup> | **42.3** | 44.5 | 37.2 |
| Noninterest expense<sup>(10)</sup> | **32.0** | 32.3 | 28.4 |
| Pre-tax income | **34.4** | 30.7 | 30.4 |
| *<u>Performance Metrics</u>* |  |  |  |
| Institutional Services and BMT of DE fee revenue | $**27.6** | $27.9 | $21.6 |
| Private Wealth Management fee revenue | **14.8** | 16.1 | 14.9 |
| AUM/AUA (*in billions)*<sup>(11)</sup> | **93.4** | 92.4 | 87.2 |

---

Wealth and Trust pre-tax income was $34.4 million, which increased $3.7 million, or 12% (not annualized), compared to 2Q 2025, driven by lower provision and higher net interest income. Fee revenue decreased $2.2 million, primarily due to the Commonwealth termination and the Powdermill sale as well as a seasonal decrease in tax activity in Private Wealth Management.

Wealth and Trust pre-tax income increased $4.0 million, or 13%, compared to 3Q 2024 as fee revenue increased $5.1 million, driven by growth in Institutional Services and BMT of DE. Noninterest expense of $32.0 million increased by $3.6 million, or 13%, mostly from performance-based incentives and the hiring of new advisors. Net interest income increased $2.5 million, or 11%, driven mostly by higher deposit balances in Institutional Services and Private Banking.

AUM/AUA increased to $93.4 billion at the end of 3Q 2025, representing growth of 1% quarter-over-quarter and 7% year-over-year, driven by Client and account growth.

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

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

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 12 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.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)* | **September 30, 2025** | June 30, 2025 | September 30, 2024 |
| Net revenue<sup>(12)</sup> | $**22.0** | $21.1 | $27.7 |
| Noninterest expense<sup>(13)</sup> | **19.6** | 17.8 | 26.1 |
| Pre-tax income | **2.3** | 3.3 | 1.6 |
| *<u>Performance Metrics</u>* |  |  |  |
| Average cash managed | $**1386** | $1329 | $1623 |
| Number of serviced non-bank ATMs and smart safes | **36511** | 36494 | 42126 |
| Number of WSFS owned and branded ATMs | **524** | 582 | 569 |
| Net profit margin | **10.64%** | 15.58% | 5.88% |
| ROA | **1.67%** | 2.43% | 1.29% |

---

Cash Connect<sup>®</sup> pre-tax income decreased $0.9 million, or 29% (not annualized) compared to 2Q 2025, driven by one-time insurance recoveries in the previous quarter. Excluding those recoveries, pre-tax income increased $0.7 million, primarily driven by pricing actions taken during the quarter, which increased net revenue by $0.9 million compared to 2Q 2025. Noninterest expense increased $1.8 million from 2Q 2025 driven by timing of insurance recoveries and higher volumes.

Pre-tax income increased $0.7 million compared to 3Q 2024 driven by pricing actions and lower cost of non-earning cash, partially offset by lower bailment and managed services volume. Net revenue decreased $5.6 million driven by lower rates (which also reduced expenses), ATM cash volume, and managed service fees. Net profit margin increased to 10.64%, compared to 7.95% when excluding the insurance recoveries in 2Q 2025 and 5.88% in 3Q 2024.

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

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

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 13 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**Third Quarter 2025 Earnings Release Conference Call**

Management will conduct a conference call to review 3Q 2025 results at 1:00 p.m. Eastern Time (ET) on Friday, October 24, 2025. 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 September 30, 2025, WSFS Financial Corporation had $20.8 billion in assets on its balance sheet and $93.4 billion in assets under management and administration. WSFS operates from 114 offices, 88 of which are banking offices, located in Pennsylvania (58), Delaware (38), 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 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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| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 14 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.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, volatile market conditions and uncertain 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 potential recessionary and other 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; 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 lead to reduced margin as a result of increased funding costs and/or reduced earning asset yields; 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 and industry volatility, including potential changes in regulatory requirements and costs and potential impacts to macroeconomic conditions; possible 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; failure of the financial and/or operational controls of the Company's Cash Connect*<sup>®</sup> *and/or Wealth and Trust segments; negative perceptions or publicity with respect to the Company generally and, in particular, the Company's Wealth and Trust business; 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; 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, pay dividends to its stockholders and repurchase shares of its common stock; 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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| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 15 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.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 | Nine months ended | Nine months ended |
| *(Dollars in thousands, except per share data)* | **September 30, 2025** | June 30, 2025 | September 30, 2024 | **September 30, 2025** | September 30, 2024 |
| **Interest income:** | **Interest income:** | **Interest income:** | **Interest income:** | **Interest income:** | **Interest income:** |
| Interest and fees on loans | $**218250** | $216005 | $235977 | $**651007** | $691495 |
| Interest on mortgage-backed securities | **24202** | 24531 | 25348 | **73478** | 77029 |
| Interest and dividends on investment securities | **2180** | 2186 | 2184 | **6552** | 6551 |
| Other interest income | **13789** | 10468 | 9875 | **31452** | 25168 |
|  | **258421** | 253190 | 273384 | **762489** | 800243 |
| **Interest expense:** |  |  |  |  |  |
| Interest on deposits | **71185** | 70124 | 80647 | **212413** | 230135 |
| Interest on Federal Home Loan Bank advances | **586** | 949 | 1472 | **2473** | 2139 |
| Interest on senior and subordinated debt | **1089** | 1089 | 2446 | **4252** | 7336 |
| Interest on trust preferred borrowings | **1524** | 1518 | 1749 | **4565** | 5255 |
| Interest on other borrowings | **14** | 15 | 9566 | **52** | 28147 |
|  | **74398** | 73695 | 95880 | **223755** | 273012 |
| &nbsp;&nbsp;&nbsp;Net interest income | **184023** | 179495 | 177504 | **538734** | 527231 |
| &nbsp;&nbsp;&nbsp;Provision for credit losses | **6566** | 12621 | 18422 | **36537** | 53374 |
| &nbsp;&nbsp;&nbsp;Net interest income after provision for credit losses | **177457** | 166874 | 159082 | **502197** | 473857 |
| **Noninterest income:** |  |  |  |  |  |
| Credit/debit card and ATM income | **18487** | 18309 | 24621 | **55539** | 68165 |
| Investment management and fiduciary revenue | **41272** | 43774 | 36648 | **124327** | 107182 |
| Deposit service charges | **7001** | 6802 | 6837 | **20556** | 19820 |
| Mortgage banking activities, net | **2091** | 2341 | 2067 | **6232** | 5931 |
| Loan and lease fee income | **2089** | 1430 | 1513 | **4984** | 4742 |
| Realized gain on sale of equity investment, net | **939** | 18 | 56 | **957** | 2186 |
| Other income | **14592** | 15335 | 18416 | **42782** | 49587 |
|  | **86471** | 88009 | 90158 | **255377** | 257613 |
| **Noninterest expense:** |  |  |  |  |  |
| Salaries, benefits and other compensation | **91661** | 89145 | 86124 | **263283** | 245179 |
| Occupancy expense | **8498** | 8829 | 9595 | **27220** | 28461 |
| Equipment expense | **12933** | 13778 | 12076 | **39439** | 34822 |
| Data processing and operations expense | **5045** | 5010 | 4985 | **14750** | 13452 |
| Professional fees | **4942** | 6211 | 3819 | **15851** | 13081 |
| Marketing expense | **2178** | 1925 | 2053 | **5798** | 5855 |
| FDIC expenses | **2739** | 2433 | 2882 | **7750** | 9254 |
| Loss on debt extinguishment | **352** |  |  | **352** |  |
| Loan workout and other credit costs | **1802** | 1629 | 1684 | **3671** | 1477 |
| Corporate development expense | **171** | (329) | 46 | **(99)** | 412 |
| Restructuring expense | **398** |  |  | **658** |  |
| Other operating expenses | **32337** | 30712 | 40459 | **95521** | 116570 |
|  | **163056** | 159343 | 163723 | **474194** | 468563 |
| Income before taxes | **100872** | 95540 | 85517 | **283380** | 262907 |
| Income tax provision | **24405** | 23319 | 21108 | **68825** | 63567 |
| Net income | **76467** | 72221 | 64409 | **214555** | 199340 |
| Less: Net income (loss) attributable to noncontrolling interest | **18** | (105) | (26) | **(116)** | (129) |
| **Net income attributable to WSFS** | $**76449** | $72326 | $64435 | $**214671** | $199469 |
| **Diluted earnings per share of common stock:** | $**1.37** | $1.27 | $1.08 | $**3.75** | $3.33 |
| Weighted average shares of common stock outstanding for fully diluted EPS | **55960833** | 56851797 | 59393651 | **57171976** | 59956324 |

---

See "Notes"

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 16 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.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 | Nine months ended | Nine months ended |
| | **September 30, 2025** | June 30, 2025 | September 30, 2024 | **September 30, 2025** | September 30, 2024 |
| **Performance Ratios:** |  |  |  |  |  |
| Return on average assets (a) | **1.44%** | 1.39% | 1.22% | **1.37%** | 1.28% |
| Return on average equity (a) | **11.25** | 10.94 | 9.95 | **10.78** | 10.66 |
| Return on average tangible common equity (a)(o) | **18.31** | 18.08 | 16.96 | **17.78** | 18.55 |
| Net interest margin (a)(b) | **3.91** | 3.89 | 3.78 | **3.89** | 3.82 |
| Efficiency ratio (c) | **60.17** | 59.46 | 61.08 | **59.61** | 59.61 |
| Noninterest income as a percentage of total net revenue (b) | **31.91** | 32.84 | 33.64 | **32.10** | 32.78 |

---

See "Notes"

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 17 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

**WSFS FINANCIAL CORPORATION**

**FINANCIAL HIGHLIGHTS (Continued)**

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

---

| | | | |
|:---|:---|:---|:---|
| *(Dollars in thousands)* | **September 30, 2025** | June 30, 2025 | September 30, 2024 |
| ***<u>Assets:</u>*** |  |  |  |
| Cash and due from banks | $**1199540** | $899713 | $571798 |
| Cash in non-owned ATMs | **364733** | 424741 | 414931 |
| Investment securities, available-for-sale | **3502159** | 3494783 | 3737119 |
| Investment securities, held-to-maturity | **979698** | 994340 | 1026305 |
| Other investments | **46691** | 46751 | 38662 |
| Net loans and leases (e)(f)(l) | **12840383** | 12965825 | 13166805 |
| Goodwill and intangibles | **973677** | 977546 | 992163 |
| Other assets | **933534** | 959593 | 957426 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets | $**20840415** | $20763292 | $20905209 |
| ***<u>Liabilities and Stockholders' Equity:</u>*** |  |  |  |
| Noninterest-bearing deposits | $**5236956** | $5305768 | $4685957 |
| Interest-bearing deposits | **11989262** | 11815701 | 11741074 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total client deposits | **17226218** | 17121469 | 16427031 |
| Federal Home Loan Bank advances | **—** | 51040 | 43158 |
| Other borrowings | **255099** | 252419 | 1032003 |
| Other liabilities | **616317** | 666146 | 736002 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities | **18097634** | 18091074 | 18238194 |
| Stockholders' equity of WSFS | **2753273** | 2682728 | 2678264 |
| Noncontrolling interest | **(10492)** | (10510) | (11249) |
| Total stockholders' equity | **2742781** | 2672218 | 2667015 |
| Total liabilities and stockholders' equity | $**20840415** | $20763292 | $20905209 |
| **Capital Ratios:** |  |  |  |
| Equity to asset ratio | **13.21%** | 12.92% | 12.81% |
| Tangible common equity to tangible asset ratio (o) | **8.96** | 8.62 | 8.47 |
| Common equity Tier 1 capital (required: 4.5%; well capitalized: 6.5%) (g) | **14.39** | 14.07 | 13.56 |
| Tier 1 leverage (required: 4.00%; well-capitalized: 5.00%) (g) | **11.11** | 11.04 | 10.75 |
| Tier 1 risk-based capital (required: 6.00%; well-capitalized: 8.00%) (g) | **14.39** | 14.07 | 13.56 |
| Total risk-based capital (required: 8.00%; well-capitalized: 10.00%) (g) | **16.19** | 15.86 | 15.61 |
| **Asset Quality Indicators:** |  |  |  |
| Nonperforming assets: |  |  |  |
| Nonaccruing loans (t)(n) | $**72148** | $105236 | $90039 |
| Assets acquired through foreclosure | **439** | 930 | 1301 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total nonperforming assets | $**72587** | $106166 | $91340 |
| Past due loans (h)(n) | $**14295** | $23012 | $31714 |
| Troubled loans (u)(n) | **156803** | 195916 | 166754 |
| Allowance for credit losses | **185504** | 189121 | 197497 |
| Ratio of nonperforming assets to total assets (n) | **0.35%** | 0.51% | 0.44% |
| Ratio of allowance for credit losses to total loans and leases (q) | **1.41** | 1.43 | 1.48 |
| Ratio of allowance for credit losses to nonaccruing loans (n) | **254** | 177 | 219 |
| Ratio of quarterly net charge-offs to average gross loans (a)(e)(i) | **0.30** | 0.30 | 0.58 |
| Ratio of year-to-date net charge-offs to average gross loans (a)(e)(i) | **0.45** | 0.53 | 0.43 |

---

See "Notes"

------

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| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 18 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.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 |
|  | **September 30, 2025** | **September 30, 2025** | **September 30, 2025** | June 30, 2025 | June 30, 2025 | June 30, 2025 | September 30, 2024 | September 30, 2024 | September 30, 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) | $**5229187** | $**87722** | **6.67%** | $5263533 | $88226 | 6.74% | $5246721 | $93594 | 7.11% |
| &nbsp;&nbsp;&nbsp;Commercial real estate loans (s) | **4831359** | **82914** | **6.81** | 4808177 | 78400 | 6.54 | 4952571 | 89516 | 7.19 |
| &nbsp;&nbsp;&nbsp;Residential mortgage | **1002442** | **13711** | **5.47** | 965480 | 12935 | 5.36 | 924830 | 11916 | 5.15 |
| &nbsp;&nbsp;&nbsp;Consumer loans | **1908700** | **32548** | **6.77** | 1997285 | 35096 | 7.05 | 2112423 | 39909 | 7.52 |
| &nbsp;&nbsp;&nbsp;Loans held for sale | **75418** | **1355** | **7.13** | 96517 | 1348 | 5.60 | 50556 | 1042 | 8.20 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total loans and leases | **13047106** | **218250** | **6.64** | 13130992 | 216005 | 6.60 | 13287101 | 235977 | 7.07 |
| Mortgage-backed securities (d) | **4090178** | **24202** | **2.37** | 4148820 | 24531 | 2.37 | 4354462 | 25348 | 2.33 |
| Investment securities (d) | **366450** | **2180** | **2.66** | 366391 | 2186 | 2.70 | 366098 | 2184 | 2.62 |
| Other interest-earning assets | **1227761** | **13789** | **4.46** | 934152 | 10468 | 4.49 | 709358 | 9875 | 5.54 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-earning assets | $**18731495** | $**258421** | **5.48%** | $18580355 | $253190 | 5.48% | $18717019 | $273384 | 5.82% |
| Allowance for credit losses | **(190837)** |  |  | (188252) |  |  | (199380) |  |  |
| Cash and due from banks | **176874** |  |  | 188300 |  |  | 189523 |  |  |
| Cash in non-owned ATMs | **393148** |  |  | 390275 |  |  | 387019 |  |  |
| Bank owned life insurance | **36553** |  |  | 36042 |  |  | 35689 |  |  |
| Other noninterest-earning assets | **1887865** |  |  | 1898721 |  |  | 1931521 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets | $**21035098** |  |  | $20905441 |  |  | $21061391 |  |  |
| ***Liabilities and stockholders' equity:*** |  |  |  |  |  |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |  |  |  |  |  |
| Interest-bearing deposits: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Interest-bearing demand | $**2825284** | $**7870** | **1.11%** | $2829653 | $7337 | 1.04% | $2806850 | $9074 | 1.29% |
| &nbsp;&nbsp;&nbsp;Savings | **1433399** | **1723** | **0.48** | 1445123 | 1609 | 0.45 | 1519457 | 2038 | 0.53 |
| &nbsp;&nbsp;&nbsp;Money market | **5581010** | **42378** | **3.01** | 5437897 | 41120 | 3.03 | 5125286 | 46686 | 3.62 |
| &nbsp;&nbsp;&nbsp;Time deposits | **2077815** | **19214** | **3.67** | 2094572 | 20058 | 3.84 | 2061526 | 22849 | 4.41 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing deposits | **11917508** | **71185** | **2.37** | 11807245 | 70124 | 2.38 | 11513119 | 80647 | 2.79 |
| Federal Home Loan Bank advances | **50215** | **586** | **4.63** | 84007 | 949 | 4.53 | 108196 | 1472 | 5.41 |
| Trust preferred borrowings | **90952** | **1524** | **6.65** | 90903 | 1518 | 6.70 | 90753 | 1749 | 7.67 |
| Senior and subordinated debt | **148766** | **1089** | **2.93** | 148708 | 1089 | 2.93 | 218535 | 2446 | 4.48 |
| Other borrowed funds | **16504** | **14** | **0.34** | 19428 | 15 | 0.31 | 816373 | 9566 | 4.66 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing liabilities | $**12223945** | $**74398** | **2.41%** | $12150291 | $73695 | 2.43% | $12746976 | $95880 | 2.99% |
| Noninterest-bearing demand deposits | **5493161** |  |  | 5438692 |  |  | 4979859 |  |  |
| Other noninterest-bearing liabilities | **633625** |  |  | 674616 |  |  | 770572 |  |  |
| Stockholders' equity of WSFS | **2694883** |  |  | 2652257 |  |  | 2575182 |  |  |
| Noncontrolling interest | **(10516)** |  |  | (10415) |  |  | (11198) |  |  |
| Total liabilities and equity | $**21035098** |  |  | $20905441 |  |  | $21061391 |  |  |
| Excess of interest-earning assets over interest-bearing liabilities | $**6507550** |  |  | $6430064 |  |  | $5970043 |  |  |
| Net interest and dividend income |  | $**184023** |  |  | $179495 |  |  | $177504 |  |
| Interest rate spread |  |  | **3.07%** |  |  | 3.05% |  |  | 2.83% |
| Net interest margin |  |  | **3.91%** |  |  | 3.89% |  |  | 3.78% |

---

See "Notes"

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 19 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.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 | Nine months ended | Nine months ended |
| **Stock Information:** | **September 30, 2025** | June 30, 2025 | September 30, 2024 | **September 30, 2025** | September 30, 2024 |
| Market price of common stock: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;High | **$59.67** | $57.06 | $58.59 | **$59.67** | $58.59 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Low | **52.58** | 42.44 | 45.42 | **42.44** | 40.20 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Close | **53.93** | 55.00 | 50.99 | **53.93** | 50.99 |
| Book value per share of common stock | **49.67** | 47.71 | 45.37 |  |  |
| Tangible common book value (TBV) per share of common stock (o) | **32.11** | 30.32 | 28.56 |  |  |
| Number of shares of common stock outstanding (000s) | **55427** | 56235 | 59033 |  |  |
| **Other Financial Data:** |  |  |  |  |  |
| One-year repricing gap to total assets (k) | **5.86%** | 4.54% | (0.78)% |  |  |
| Weighted average duration of the MBS portfolio | **6.0 years** | 6.2 years | 5.7 years |  |  |
| Unrealized losses on securities available for sale, net of taxes | **$(400669)** | $(445065) | $(420815) |  |  |
| Number of Associates (FTEs) (m) | **2338** | 2375 | 2316 |  |  |
| Number of offices (branches, LPO's, operations centers, etc.) | **114** | 115 | 114 |  |  |
| Number of WSFS owned and branded ATMs | **524** | 582 | 569 |  |  |

---

**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 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.

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 20 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.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 | Nine months ended | Nine months ended |
|  | **September 30, 2025** | June 30, 2025 | September 30, 2024 | **September 30, 2025** | September 30, 2024 |
| Net interest income (GAAP) | $**184023** | $179495 | $177504 | $**538734** | $527231 |
| Core net interest income (non-GAAP) | **184023** | 179495 | 177504 | **538734** | 527231 |
| Noninterest income (GAAP) | **86471** | 88009 | 90158 | **255377** | 257613 |
| Less: Realized gain on sale of equity investment, net | **939** | 18 | 56 | **957** | 2186 |
| (Plus)/less: Visa derivative valuation adjustment | **(2429)** |  |  | **(2429)** | 2829 |
| Core fee revenue (non-GAAP) | $**87961** | $87991 | $90102 | $**256849** | $252598 |
| Core net revenue (non-GAAP) | $**271984** | $267486 | $267606 | $**795583** | $779829 |
| Core net revenue (non-GAAP)(tax-equivalent) | $**272482** | $267972 | $267991 | $**797023** | $780975 |
| Noninterest expense (GAAP) | $**163056** | $159343 | $163723 | $**474194** | $468563 |
| Less: FDIC special assessment | **—** |  |  | **—** | 880 |
| Less: Loss on debt extinguishment | **352** |  |  | **352** |  |
| Less/(plus): Corporate development expense | **171** | (329) | 46 | **(99)** | 412 |
| Less: Restructuring expense | **398** |  |  | **658** |  |
| Core noninterest expense (non-GAAP) | $**162135** | $159672 | $163677 | $**473283** | $467271 |
| Core efficiency ratio (non-GAAP) | **59.5%** | 59.6% | 61.1% | **59.4%** | 59.8% |
| Core fee revenue ratio (non-GAAP) (b) | **32.3%** | 32.8% | 33.6% | **32.2%** | 32.3% |
|  | End of period | End of period | End of period |  |  |
|  | **September 30, 2025** | June 30, 2025 | September 30, 2024 |  |  |
| Total assets (GAAP) | $**20840415** | $20763292 | $20905209 |  |  |
| Less: Goodwill and other intangible assets | **973677** | 977546 | 992163 |  |  |
| Total tangible assets (non-GAAP) | $**19866738** | $19785746 | $19913046 |  |  |
| Total stockholders' equity of WSFS (GAAP) | $**2753273** | $2682728 | $2678264 |  |  |
| Less: Goodwill and other intangible assets | **973677** | 977546 | 992163 |  |  |
| Total tangible common equity (non-GAAP) | $**1779596** | $1705182 | $1686101 |  |  |
| **Tangible common book value (TBV) per share:** | **Tangible common book value (TBV) per share:** |  |  |  |  |
| Book value per share (GAAP) | $**49.67** | $47.71 | $45.37 |  |  |
| Tangible common book value per share (non-GAAP) | **32.11** | 30.32 | 28.56 |  |  |
| **Tangible common equity to tangible assets:** | **Tangible common equity to tangible assets:** |  |  |  |  |
| Equity to asset ratio (GAAP) | **13.21%** | 12.92% | 12.81% |  |  |
| Tangible common equity to tangible assets ratio (non-GAAP) | **8.96** | 8.62 | 8.47 |  |  |

---

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 21 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Non-GAAP Reconciliation - continued (o):** | Three months ended | Three months ended | Three months ended | Nine months ended | Nine months ended |
|  | **September 30, 2025** | June 30, 2025 | September 30, 2024 | **September 30, 2025** | September 30, 2024 |
| GAAP net income attributable to WSFS | $**76449** | $72326 | $64435 | $**214671** | $199469 |
| Plus/(less): Pre-tax adjustments: Realized gain on equity investments, net, Visa derivative valuation adjustment, FDIC special assessment, loss on debt extinguishment, and corporate development and restructuring expense | **2411** | (347) | (10) | **2383** | (3723) |
| Plus/(less): Tax impact of pre-tax adjustments | **(589)** | 149 | 2 | **(616)** | 585 |
| Adjusted net income (non-GAAP) attributable to WSFS | $**78271** | $72128 | $64427 | $**216438** | $196331 |
| GAAP return on average assets (ROA) | **1.44%** | 1.39% | 1.22% | **1.37%** | 1.28% |
| Plus/(less): Pre-tax adjustments: Realized gain on equity investments, net, Visa derivative valuation adjustment, FDIC special assessment, loss on debt extinguishment, and corporate development and restructuring expense | **0.05** | (0.01) |  | **0.02** | (0.02) |
| Plus/(less): Tax impact of pre-tax adjustments | **(0.01)** |  |  | **—** |  |
| Core ROA (non-GAAP) | **1.48%** | 1.38% | 1.22% | **1.39%** | 1.26% |
| Earnings per share (diluted) (GAAP) | $**1.37** | $1.27 | $1.08 | $**3.75** | $3.33 |
| Plus/(less): Pre-tax adjustments: Realized gain on equity investments, net, Visa derivative valuation adjustment, FDIC special assessment, loss on debt extinguishment, and corporate development and restructuring expense | **0.04** | (0.01) |  | **0.04** | (0.06) |
| Plus/(less): Tax impact of pre-tax adjustments | **(0.01)** | 0.01 |  | **—** |  |
| Core earnings per share (non-GAAP) | $**1.40** | $1.27 | $1.08 | $**3.79** | $3.27 |
| **Calculation of return on average tangible common equity:** | **Calculation of return on average tangible common equity:** |  |  |  |  |
| GAAP net income attributable to WSFS | $**76449** | $72326 | $64435 | $**214671** | $199469 |
| Plus: Tax effected amortization of intangible assets | **2864** | 2946 | 2949 | **8756** | 8929 |
| Net tangible income (non-GAAP) | $**79313** | $75272 | $67384 | $**223427** | $208398 |
| Average stockholders' equity of WSFS | $**2694883** | $2652257 | $2575182 | $**2661709** | $2499612 |
| Less: Average goodwill and intangible assets | **976270** | 982533 | 994818 | **981809** | 998960 |
| Net average tangible common equity | $**1718613** | $1669724 | $1580364 | $**1679900** | $1500652 |
| **Return on average tangible common equity (non-GAAP)** | **18.31%** | 18.08% | 16.96% | **17.78%** | 18.55% |

---

------

---

| | | | |
|:---|:---|:---|:---|
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | WSFS Bank Center | WSFS Bank Place | 22 |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | 500 Delaware Avenue | 1818 Market Street | |
| ![wsfs_corp2a.jpg](wsfs_corp2a.jpg) | Wilmington, DE 19801 | Philadelphia, PA 19103 | |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Non-GAAP Reconciliation - continued (o):** | Three months ended | Three months ended | Three months ended | Nine months ended | Nine months ended |
|  | **September 30, 2025** | June 30, 2025 | September 30, 2024 | **September 30, 2025** | September 30, 2024 |
| **Calculation of PPNR:** | **Calculation of PPNR:** | **Calculation of PPNR:** | **Calculation of PPNR:** | **Calculation of PPNR:** | **Calculation of PPNR:** |
| Net income (GAAP) | $**76467** | $72221 | $64409 | $**214555** | $199340 |
| Plus: Income tax provision | **24405** | 23319 | 21108 | **68825** | 63567 |
| Plus: Provision for credit losses | **6566** | 12621 | 18422 | **36537** | 53374 |
| **PPNR (non-GAAP)** | $**107438** | $108161 | $103939 | $**319917** | $316281 |
| Plus/(less): Pre-tax adjustments: Realized gain on equity investments, net, Visa derivative valuation adjustment, FDIC special assessment, loss on debt extinguishment, and corporate development and restructuring expense | **2411** | (347) | (10) | **2383** | (3723) |
| **Core PPNR (non-GAAP)** | $**109849** | $107814 | $103929 | $**322300** | $312558 |

---

---

| | | | |
|:---|:---|:---|:---|
| | Three months ended | Three months ended | Three months ended |
| | **September 30, 2025** | June 30, 2025 | September 30, 2024 |
| **Calculation of adjusted core fee revenue:** |  |  |  |
| Core fee revenue (non-GAAP) | $**87961** | $87991 | $90102 |
| Less: Spring EQ earnout | $**—** | $(2250) | $(2250) |
| Less: Impact from Commonwealth termination | **(304)** | (1759) | (1552) |
| Plus/(less): Impact from sale of Powdermill business | **3** | (621) | (762) |
| **Adjusted core fee revenue (non-GAAP)** | $**87660** | $83361 | $85538 |

---

## Exhibit 99.2

![](a3q25supplement102225vf001.jpg)

1 WSFS Financial Corporation 3Q 2025 Earnings Release Supplement October 2025 Exhibit 99.2

------

![](a3q25supplement102225vf002.jpg)

2 Forward Looking Statements & Non-GAAP 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 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 significant risks and uncertainties (which change over time) and other factors, including volatile market conditions and uncertain 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 potential recessionary and other unfavorable conditions and trends related to housing markets, costs of living, unemployment levels, 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, and Form 10-Q for the quarter ended June 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 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 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 non-GAAP measures to their comparable GAAP measures, see the Appendix.

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![](a3q25supplement102225vf003.jpg)

3 $3.27 $3.79 $0.00 $0.80 $1.60 $2.40 $3.20 $4.00 YTD24 YTD25 YTD Core EPS 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 Appendix for reconciliation to GAAP financial information. 2 This measure is on a pre-allocation basis 3 This constitutes net income attributable to WSFS; excludes net income attributable to noncontrolling interest 4Represents shares outstanding as of December 31, 2024 5Tax-equivalent 6 Reflects ACL on loans and leases over the amortized cost of the total portfolio 7 Capital ratios reflect corporate-level metrics Reported Core1 $ in millions (except per share amounts) 3Q25 2Q25 3Q24 3Q25 2Q25 3Q24 EPS $1.37 $1.27 $1.08 $1.40 $1.27 $1.08 ROA 1.44% 1.39% 1.22% 1.48% 1.38% 1.22% Net Income3 $76.4 $72.3 $64.4 $78.3 $72.1 $64.4 PPNR1 $107.4 $108.2 $103.9 $109.8 $107.8 $103.9 ROTCE1 18.31% 18.08% 16.96% 18.73% 18.03% 16.96% NIM5 3.91% 3.89% 3.78% 3.91% 3.89% 3.78% Fee Revenue $$86.5 $88.0 $90.2 $88.0 $88.0 $90.1 Fee Revenue %5 31.9% 32.8% 33.6% 32.3% 32.8% 33.6% Efficiency Ratio 60.2% 59.5% 61.1% 59.5% 59.6% 61.1% ACL Ratio6 1.41% 1.43% 1.48% 1.41% 1.43% 1.48% CET17 14.39% 14.07% 13.56% 14.39% 14.07% 13.56% $1.08 $1.40 $0.00 $0.30 $0.60 $0.90 $1.20 $1.50 3Q24 3Q25 QTD Core EPS +16% • Core ROA of 1.48%, up 10bps QoQ and 26bps YoY • NIM of 3.91%, up 2bps QoQ and 13bps YoY • Wealth and Trust core fee revenue up 13% YoY2 • Notable improvements in asset quality metrics including problem assets, nonperforming assets, and delinquencies • Returned $206.2mm of capital to shareholders YTD, including $178.3mm from share repurchases (5.8% outstanding shares)4 +30%

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4 Net Interest Margin Trends NIM of 3.91%, up 2bps QoQ and 13bps YoY despite interest rate cuts 1 Includes noninterest and interest-bearing; interest-bearing deposits include demand, money market, savings, and time deposits 2 Average total loan yield excludes purchase accounting accretion (PAA) 3 Deposit betas are based on cumulative client deposit costs for the down-cycle rate (September 2024 start); assumes Fed Funds of 4.25% 4 Betas are the average of the last month in a respective quarter unless otherwise stated • 3Q25 exit interest-only beta of 43%; client deposit cost of 1.55% • Excluding the NPA interest recovery, average loan yield for the quarter would have been 6.55%2 with a NIM of 3.87% Down-cycle Deposit Betas3,4 1.95% 1.83% 1.71% 1.63% 1.62% 2.15% 1.92% 1.77% 1.68% 1.66% 7.01% 6.72% 6.60% 6.54% 6.60% 2.0% 3.2% 4.4% 5.6% 6.8% 8.0% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 3Q24 4Q24 1Q25 2Q25 3Q25 Lo an Y ie ld (%) Cl ie nt D ep os it Co st (%) Client Deposit Cost Total Funding Cost Total Loan Ex PAA Yield Average Deposit Cost and Loan Yield 1 2 3.88% 3.89% 3.91% 3.25% 3.45% 3.65% 3.85% 4.05% 1Q25 2Q25 3Q25 Net Interest Margin 38% 43% 37% 27% 36% 29% 0% 15% 30% 45% 60% 1Q25 2Q25 3Q25 Interest-Only Total

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5 Loan Portfolio Highlights Strong growth in Mortgage and WSFS Consumer loans 1 Includes new loans, existing new funding, in process, HFS, and net line activity. Excludes reclasses, purchase accounting mark/unearned changes, and Commercial leases 2 C&I loans includes owner-occupied real estate ($ in millions) Sept 2025 Jun 2025 Sept 2024 QoQ $ Growth Annualized % Growth YoY $ Growth % Growth C & I Loans2 $4,587 $4,731 $4,661 ($144) (12%) ($74) (2%) Commercial Mortgages (CRE) 3,856 3,911 4,149 (55) (6%) (293) (7%) Construction Loans 1,004 858 806 146 68% 198 25% Commercial Leases 617 630 645 (13) (8%) (28) (4%) Total Commercial Loans $10,064 $10,130 $10,261 ($66) (3%) ($197) (2%) Residential Mortgage (HFS/HFI) 1,062 1,016 965 46 18% 97 10% Consumer Loans - WSFS 990 959 870 31 13% 120 14% Consumer Loans - Partnership 907 1,047 1,268 (140) NM (361) NM Total Gross Loans $13,023 $13,152 $13,364 ($129) (4%) ($341) (3%) EOP Loans - QoQ and YoY Commercial: • Commercial flat QoQ when excluding problem loan payoffs • C&I line utilization of 34.4%, down from 36.7% prior quarter • 90-day weighted average pipeline of ~$300mm (up from ~$260mm PQ) Consumer: • Residential mortgage and WSFS-originated consumer loans grew 4% QoQ (16% annualized) • HELOC balances grew 5% QoQ (19% annualized), driven primarily by increased line usage $149 $170 $116 $201 $121 $66 $70 $33 $66 $85 $115 $125 $98 $141 $177 -$9 -$25 $48 -$2 -$58 $321 $340 $295 $406 $325 -$100 $0 $100 $200 $300 $400 $500 3Q24 4Q24 1Q25 2Q25 3Q25 C&I CRE Construction Net Line Activity Commercial Fundings and Line Activity ($mm)1

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6 Deposit Highlights • 32% of average deposits are noninterest demand • $105mm (2% annualized) increase in ending client deposits QoQ • Driven by seasonal municipal deposit growth in Commercial • $799mm (5%) increase in ending client deposits YoY • Driven by growth across all business lines • 52% of average client deposits are coming from Commercial, Small Business, and Wealth and Trust 5% year-over-year growth in client deposits with 12% year-over-year growth in noninterest deposits Consumer 48% Commercial 25% Small Business 11% Trust 11% Wealth 5% Average Client Deposits By Business Line 13% 12% 12% 12% 12% 40% 40% 41% 40% 40% 17% 17% 17% 16% 16% 30% 31% 30% 32% 32% 0% 20% 40% 60% 80% 100% 3Q24 4Q24 1Q25 2Q25 3Q25 Noninterest Interest-bearing Savings/MM Time Average Total Client Deposit Mix ($ in millions) Sept 2025 Jun 2025 Sept 2024 QoQ $ Growth Annualized % Growth YoY $ Growth % Growth Noninterest Demand $5,237 $5,306 $4,686 ($69) (5%) $551 12% Interest-bearing Demand 2,966 2,806 2,931 160 23% 35 1% Savings 1,408 1,452 1,489 (44) (12%) (81) (5%) Money Market 5,536 5,471 5,178 65 5% 358 7% Total Core Deposits $15,147 $15,035 $14,284 $112 3% $863 6% Time Deposits 2,079 2,086 2,143 (7) (1%) (64) (3%) Total Client Deposits $17,226 $17,121 $16,427 $105 2% $799 5% EOP Deposits by Product - QoQ and YoY

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7 $21 $20 $21 $32 $24 $25 $37 $44 $42 $90 $88 $88 $0 $10 $20 $30 $40 $50 $60 $70 $80 $90 $100 3Q24 2Q25 3Q25 Co re F ee R ev en ue ($ m m) Banking Cash Connect Wealth and Trust Core Fee Revenue1 32.3% Core Fee Revenue ratio 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 Appendix for reconciliation to GAAP financial information. 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 Note: These measures are on a pre-allocation basis® Core fee revenue flat QoQ and down 2% YoY Wealth and Trust (+13% YoY) Bryn Mawr Trust® 34% BMT of DE 19% WSFS Institutional Services 47% Institutional Services up 30% YoY as Corporate Trust continued to increase custody and paying agent fees while generating new transactions and deepening relationships Private Wealth Management up 4% YoY when excluding the two previously announced exits from last quarter (Commonwealth and Powdermill) Bryn Mawr Trust of Delaware up 22% YoY due to growth in new accounts 2

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8 11.59% 10.70% 13.50% 8.96% 2.80% 0.41% 2.69% 2.00% 14.39% 11.11% 16.19% 10.96% 0% 4% 8% 12% 16% CET1 Leverage TRBC TCE Effective AOCI Well-capitalized Reported ($8.56) $32.11 ($20) ($10) $0 $10 $20 $30 $40 3Q21 1Q22 3Q22 1Q23 3Q23 1Q24 3Q24 1Q25 3Q25 TBV3 and AOCI per Share AOCI/share TBV/share Capital Continued capital expansion through earnings and tangible book value accretion 3Q25 Capital Ratios including Effective AOCI Impact1,2,3 1 Effective AOCI ($560.8mm) includes unrealized losses on AFS and unrecognized fair value of HTM as of September 30, 2025; reported AOCI of ($474.7mm) 2 Capital ratios reflect corporate-level metrics 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 Appendix for reconciliation to GAAP financial information 2 • Tangible book value (TBV) of $32.11 per share includes a negative impact of $8.56 per share related to Reported AOCI1 • 12% YoY growth in TBV per share • All capital ratios remain above "well-capitalized" • Effective AOCI represents the impact of a full liquidation of the investment portfolio • TCE of 10.96% when considering Effective AOCI 3

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9 >95% of YTD net income returned to shareholders; 10% of outstanding shares remain in authorization4 $36.7 $35.8 $27.9 $51.8 $95.4 $178.3 $88.5 $131.2 $206.2 $0.0 $50.0 $100.0 $150.0 $200.0 $250.0 2023 2024 YTD25 M ill io ns Dividend Repurchases Medium-Term Operating Target 12.22% 13.17% 13.81% 14.39% 0% 2% 4% 6% 8% 10% 12% 14% 16% 2022 2023 2024 3Q25 Capital Return Framework Repurchased 1.5% of outstanding shares in 3Q251; 5.8% of outstanding shares repurchased year-to-date2 Total Capital Returned to ShareholdersCET1 Trend3 1 Represents shares outstanding as of June 30, 2025 2 Represents shares outstanding as of December 31, 2024 3 Capital ratios reflect corporate-level metrics CET1 medium-term target of ~12% 4 Represents shares outstanding as of September 30, 2025

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10 $50 $77 $85 $87 $40 $84 $29 $43 $54 $50 $14 $16 $20 $17 $15 $148 $122 $148 $158 $105 1.11% 0.92% 1.13% 1.22% 0.81% 0.00% 0.30% 0.60% 0.90% 1.20% $0 $50 $100 $150 $200 $250 3Q24 4Q24 1Q25 2Q25 3Q25 M ill io ns Non-accruing Accruing Govt. Guaranteed Ed. % of Gross Loans Asset Quality Metrics Problem Assets Nonperforming Assets (NPA) Delinquencies (DLQ) Net Charge-offs (NCO)1 $722 $645 $684 $683 $630 5.40% 4.87% 5.19% 5.19% 4.84% 0.0% 1.2% 2.4% 3.6% 4.8% 6.0% $300 $400 $500 $600 $700 $800 3Q24 4Q24 1Q25 2Q25 3Q25 M ill io ns Problem Assets % of Gross Loans $14 $6 $21 $4 $9 $1 $1 $1 $1 $4 $4 $3 $5 0.58% 0.31% 0.76% 0.30% 0.30% 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% $0 $7 $14 $21 $28 $35 3Q24 4Q24 1Q25 2Q25 3Q25 M ill io ns Commercial Consumer Upstart % of Avg. Gross Loans $91 $127 $117 $106 $73 0.44% 0.61% 0.57% 0.51% 0.35% 0.0% 0.1% 0.2% 0.3% 0.4% 0.5% 0.6% 0.7% $0 $25 $50 $75 $100 $125 $150 3Q24 4Q24 1Q25 2Q25 3Q25 M ill io ns Nonperforming Assets % of Total Assets • Problem Assets: Decreased 35bps QoQ • Several large payoffs with no additional losses • NPA: Decreased 16bps QoQ • Driven by a C&I and Construction payoff • DLQ: Decreased 41bps QoQ • Accruing loans account for less than half of total DLQ • NCO: Flat QoQ • 21bps excluding NewLane • Non-Depository Financial Institutions: • $421mm (3.2% of gross loans) • 2.3% problem loans and 0.6% NPA • No DLQs or NCOs • No single portfolio segment is >30% 3Q 2025 Performance 1 Excludes impacts from accounts receivable 2 Includes fully government guaranteed and 98% government guaranteed student loans 3 Includes NewLane 4 Average gross loans net of unearned income, excluding loans held-for-sale 3 4 2 <$1

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11 $160 $170 $180 $190 $200 6/30/2025 New Originations Payoffs / Paydowns Forecast / Migration Other 9/30/2025 ACL Ratio 3Q 2025 ACL ($mm) $183 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 Appendix for reconciliation to GAAP financial information Loan & Leases ACL Overview ACL and Coverage Ratio by Segment 3Q 2025 ACL Commentary 1.41% • ACL coverage ratio1 of 1.41%; 1.53% including estimated remaining credit mark on acquired loan portfolios2 • Coverage ratio down 2bps QoQ; reduction due to loan runoff and improved asset quality metrics • FY GDP forecast of 1.9% in 2025 and 2.0% in 20263 • FY Unemployment forecast of 4.2% in 2025 and 4.4% in 20263 1.43% 1.32% 1.68% 1.41% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 3Q21 3Q22 3Q23 3Q24 3Q25 ACL % By Portfolio and Total1 Commercial Consumer and Leasing Total ACL%5 3 Source: Oxford Economics as of September 2025 4 Hotel loan balances are included in the C&I and Construction segments 5 Commercial excludes Leasing $186 $11 ($9) ($2) ($3) ($ millions) $% $% $% C&I4 $56.8 2.15% $52.1 1.90% $49.6 1.89% Owner Occupied - R/E $9.8 0.49% $8.6 0.44% $8.3 0.43% CRE Investor $49.0 1.18% $54.8 1.40% $48.6 1.26% Construction4 $8.3 1.04% $10.7 1.25% $17.2 1.71% Resi Mortgage $5.5 0.58% $5.8 0.60% $6.5 0.62% Leases $15.4 2.38% $18.3 2.90% $17.3 2.80% HELOC & HEIL $9.5 1.31% $11.5 1.41% $12.5 1.48% Consumer Partnerships $40.4 3.19% $21.7 2.26% $20.2 2.25% Other $2.8 1.95% $2.8 2.03% $3.0 2.08% TOTAL $197.5 1.48% $186.3 1.43% $183.2 1.41% September 30, 2024 June 30, 2025 September 30, 2025

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12 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 Appendix for reconciliation to GAAP financial information 4 Effective AOCI ($560.8mm) includes unrealized losses on AFS and unrecognized fair value of HTM as of September 30, 2025; assumes all securities, including HTM, are sold at market prices • 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 $47.5mm or 9% quarter-over-quarter Investments Investment Portfolio1 $4.48bn % of Total Assets 22% Portfolio Duration2 6.0yrs Portfolio Yield2 2.36% Agency MBS/Notes % >95% Reported AOCI ($474.7mm) Effective AOCI3,4 ($560.8mm) AFS Agency MBS Agency CMOs GNMA MBS/CMOs Agency Debent. HTM Agency MBS Munis $3.50bn $0.98bn $500 $625 $549 $522 $475 $0 $150 $300 $450 $600 $750 3Q24 4Q24 1Q25 2Q25 3Q25 M ill io ns Reported AOCI Trend

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13 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 gains on equity investments, net, Visa derivative valuation adjustment, FDIC special assessment, loss on debt extinguishment, and corporate development and restructuring expense; • 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 gains 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, and corporate development and restructuring expenses; • 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 on equity investments, net, Visa derivative valuation adjustment, FDIC special assessment, loss on debt extinguishment, and corporate development and restructuring expenses; • 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 estimated remaining credit marks is a non-GAAP measure that adjusts the coverage ratio to include the impact of the estimated remaining credit marks on the acquired loan portfolios.

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14 Appendix: Non-GAAP Financial Information Three Months Ended Nine Months Ended (dollars in thousands) September 30, 2025 June 30, 2025 September 30, 2024 September 30, 2025 September 30, 2024 Net interest income (GAAP) $184,023 $179,495 $177,504 $538,734 $527,231 Core net interest income (non-GAAP) $184,023 $179,495 $177,504 $538,734 $527,231 Noninterest income (GAAP) $86,471 $88,009 $90,158 $255,377 $257,613 Less: Realized gain on sale of equity investment, net 939 18 56 957 2,186 (Plus)/less: Visa derivative valuation adjustment (2,429) — — (2,429) 2,829 Core fee revenue (non-GAAP) $87,961 $87,991 $90,102 $256,849 $252,598 Core net revenue (non-GAAP) $271,984 $267,486 $267,606 $795,583 $779,829 Core net revenue (non-GAAP) (tax-equivalent) $272,482 $267,972 $267,991 $797,023 $780,975 Noninterest expense (GAAP) $163,056 $159,343 $163,723 $474,194 $468,563 Less: FDIC special assessment — — — — 880 Less: Loss on debt extinguishment 352 — — 352 — Less/(plus): Corporate development expense 171 (329) 46 (99) 412 Less: Restructuring expense 398 — — 658 — Core noninterest expense (non-GAAP) $162,135 $159,672 $163,677 $473,283 $467,271 Core efficiency ratio (non-GAAP) 59.5 % 59.6 % 61.1 % 59.4 % 59.8 % Core fee revenue ratio (non-GAAP)(tax-equivalent) 32.3 % 32.8 % 33.6 % 32.2 % 32.3 % Three Months Ended (dollars in thousands, except per share data) September 30, 2025 June 30, 2025 September 30, 2024 Calculation of tangible common equity ratio: Total Assets (GAAP) $20,840,415 $20,763,292 $20,905,209 Less: Goodwill and other intangible assets 973,677 977,546 992,163 Total tangible assets (non-GAAP) $19,866,738 $19,785,746 $19,913,046 Total stockholders' equity of WSFS (GAAP) $2,753,273 $2,682,728 $2,678,264 Less: Goodwill and other intangible assets 973,677 977,546 992,163 Total tangible common equity (non-GAAP) $1,779,596 $1,705,182 $1,686,101 Equity to asset ratio (GAAP) 13.21 % 12.92 % 12.81 % Tangible common equity to tangible assets ratio (non-GAAP) 8.96 % 8.62 % 8.47 % Three Months Ended (dollars in thousands) September 30, 2025 Calculation of effective AOCI: Unrealized losses on AFS securities $400,669 Unrealized losses on securities transferred from AFS to HTM 66,580 Unrecognized fair value on HTM securities 93,516 Effective AOCI (non-GAAP) $560,765 Calculation of coverage ratio including the estimated remaining credit marks: Coverage ratio 1.41 % Plus: Estimated remaining credit marks on the acquired loan portfolios 0.12 Coverage ratio including the estimated remaining credit marks (non-GAAP) 1.53 %

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15 Appendix: Non-GAAP Financial Information Three Months Ended For the Year Ended (dollars in thousands, except per share data) September 30, 2025 June 30, 2025 September 30, 2024 September 30, 2025 September 30, 2024 GAAP net income attributable to WSFS $76,449 $72,326 $64,435 $214,671 $199,469 Plus/(less): Pre-tax adjustments1 2,411 (347) (10) 2,383 (3,723) Plus/(less): Tax impact of pre-tax adjustments (589) 149 2 (616) 585 Adjusted net income (non-GAAP) attributable to WSFS $78,271 $72,128 $64,427 $216,438 $196,331 Net income (GAAP) $76,467 $72,221 $64,409 $214,555 $199,340 Plus: Income tax provision 24,405 23,319 21,108 68,825 63,567 Plus: Provision for credit losses 6,566 12,621 18,422 36,537 53,374 PPNR (Non-GAAP) 107,438 108,161 103,939 319,917 316,281 Plus/(less): Pre-tax adjustments1 2,411 (347) (10) 2,383 (3,723) Core PPNR (Non-GAAP) $109,849 $107,814 $103,929 $322,300 $312,558 GAAP return on average assets (ROA) 1.44 % 1.39 % 1.22 % 1.37 % 1.28 % Plus/(less): Pre-tax adjustments1 0.05 (0.01) — 0.02 (0.02) (Plus)/less: Tax impact of pre-tax adjustments (0.01) — — — — Core ROA (non-GAAP) 1.48 % 1.38 % 1.22 % 1.39 % 1.26 % Earnings per share (diluted)(GAAP) $1.37 $1.27 $1.08 $3.75 $3.33 Plus/(less): Pre-tax adjustments1 0.04 (0.01) — 0.04 (0.06) (Plus)/less: Tax impact of pre-tax adjustments (0.01) 0.01 — — — Core earnings per share (non-GAAP) $1.40 $1.27 $1.08 $3.79 $3.27 1 Pre-tax adjustments include realized gain 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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16 Appendix: Non-GAAP Financial Information Three Months Ended Three Months Ended (dollars in thousands) September 30, 2025 June 30, 2025 September 30, 2024 September 30, 2025 June 30, 2025 September 30, 2024 Calculation of return on average tangible common equity: Calculation of core return on average tangible common equity: GAAP net income attributable to WSFS $76,449 $72,326 $64,435 Adjusted net income (non-GAAP) attributable to WSFS $78,271 $72,128 $64,427 Plus: Tax effected amortization of intangible assets 2,864 2,946 2,949 Plus: Tax effected amortization of intangible assets 2,864 2,946 2,949 Net tangible income (non-GAAP) $79,313 $75,272 $67,384 Core net tangible income (non-GAAP) $81,135 $75,074 $67,376 Average stockholders' equity of WSFS $2,694,883 $2,652,257 $2,575,182 Net average tangible common equity $1,718,613 $1,669,724 $1,580,364 Less: Average goodwill and intangible assets 976,270 982,533 994,818 Core return on average equity (non-GAAP) 11.52 % 10.91 % 9.95 % Net average tangible common equity $1,718,613 $1,669,724 $1,580,364 Core return on average tangible common equity (non-GAAP) 18.73 % 18.03 % 16.96 % Return on average equity (GAAP) 11.25 % 10.94 % 9.95 % Return on average tangible common equity (non-GAAP) 18.31 % 18.08 % 16.96 %

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17 Appendix: Non-GAAP Financial Information (dollars in thousands, except per share data) September 30, 2025 June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024 December 31, 2023 September 30, 2023 Calculation of tangible common book value per share: Total stockholders' equity of WSFS (GAAP) $2,753,273 $2,682,728 $2,671,614 $2,589,752 $2,678,264 $2,489,580 $2,473,481 $2,477,636 $2,242,795 Less: Goodwill and other intangible assets 973,677 977,546 983,882 988,160 992,163 996,181 1,000,344 1,004,560 1,008,472 Total tangible common equity (non-GAAP) 1,779,596 1,705,182 1,687,732 1,601,592 1,686,101 1,493,399 1,473,137 1,473,076 1,234,323 Shares outstanding (000s) 55,427 56,235 57,693 58,657 59,033 59,261 60,084 60,538 60,728 Tangible common book value per share (non-GAAP) $32.11 $30.32 $29.25 $27.30 $28.56 $25.20 $24.52 $24.33 $20.33 (dollars in thousands, except per share data) June 30, 2023 March 31, 2023 December 31, 2022 September 30, 2022 June 30, 2022 March 31, 2022 December 31, 2021 September 30, 2021 Calculation of tangible common book value per share: Total stockholders' equity of WSFS (GAAP) $2,314,659 $2,306,362 $2,205,113 $2,103,593 $2,315,360 $2,520,463 $1,939,099 $1,908,895 Less: Goodwill and other intangible assets 1,004,278 1,008,250 1,012,232 1,016,413 1,019,857 1,032,189 547,231 549,352 Total tangible common equity (non-GAAP) 1,310,381 1,298,112 1,192,881 1,087,180 1,295,503 1,488,274 1,391,868 1,359,543 Shares outstanding (000s) 61,093 61,387 61,612 61,949 63,587 64,735 47,609 47,548 Tangible common book value per share (non-GAAP) $21.45 $21.15 $19.36 $17.55 $20.37 $22.99 $29.24 $28.59

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18 Appendix: Non-GAAP Financial Information As of September 30, (dollars in thousands) 2025 Calculation of adjusted common equity Tier 1 capital: Common equity tier 1 capital (GAAP) $2,280,707 Less: Effective AOCI (non-GAAP) 560,765 Adjusted common equity tier 1 capital (non-GAAP) $1,719,942 Risk Weighted Assets (GAAP) $15,844,659 Less: Debt securities 1,003,224 Adjusted Risk Weighted Assets (non-GAAP) $14,841,435 Common equity Tier 1 capital (GAAP) 14.39 % Adjusted common equity Tier 1 capital ratio (non-GAAP) 11.59 % Calculation of adjusted Tier 1 leverage: Tier 1 capital (GAAP) $2,280,707 Less: Effective AOCI (non-GAAP) 560,765 Adjusted Tier 1 capital (non-GAAP) $1,719,942 Average assets (Corp) (GAAP) $20,536,557 Less: Average debt securities 4,458,841 Adjusted average assets (non-GAAP) $16,077,716 Tier 1 leverage (GAAP) 11.11 % Adjusted Tier 1 leverage (non-GAAP) 10.70 % As of September 30, (dollars in thousands) 2025 Calculation of adjusted total risk-based capital: Total risk-based capital (GAAP) $2,565,145 Less: Effective AOCI (non-GAAP) 560,765 Adjusted total risk-based capital (non-GAAP) $2,004,380 Risk Weighted Assets (GAAP) $15,844,659 Adjusted Risk Weighted Assets (non-GAAP) 14,841,435 Total risk-based capital (GAAP) 16.19 % Adjusted total risk-based capital ratio (non-GAAP) 13.51 % Calculation of adjusted tangible common equity to tangible assets ratio (non-GAAP): Total tangible assets (non-GAAP) $19,866,738 Less: Investment securities, AFS & HTM 4,481,857 Total adjusted tangible assets (non-GAAP) $15,384,881 Total tangible common equity (non-GAAP) $1,779,596 Less: Unrecognized fair value on HTM securities 93,516 Total adjusted tangible common equity (non-GAAP) $1,686,080 Tangible common equity to tangible assets ratio (non-GAAP) 8.96 % Tangible common equity to tangible assets ratio including effective AOCI (non-GAAP) 10.96 %

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