Elderton, PA · Cert 12985 · Keystrong Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
33
Profitability
69
Liquidity
0
Efficiency
94
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Elderton, PA · Cert 12985 · Keystrong Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.2% share · #26 of 48 inst. · $0.4B of $209.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.18% | 1.50% | 1.35% | 1.46% | 1.43% | 1.74% | 1.66% | +31 bps | |
| Return on Equity | 9.46% | 9.84% | 12.46% | 11.30% | 12.15% | 11.93% | 14.79% | 14.16% | +287 bps | |
| Net Interest Margin | 3.07% | 3.05% | 3.07% | 3.12% | 3.19% | 3.22% | 3.56% | 3.61% | +49 bps | |
| Efficiency Ratio | 58.08% | 57.15% | 51.82% | 52.17% | 49.71% | 49.35% | 43.79% | 44.27% | -790 bps | |
| Non-Interest Burden | 1.69% | 1.64% | 1.42% | 1.49% | 1.45% | 1.46% | 1.41% | 1.46% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.87% | 3.95% | 7.89% | 10.52% | 11.10% | 13.37% | 10.89% | 11.33% | +81 bps | |
| Loan Growth (YoY) | 2.60% | 4.60% | 8.10% | 11.34% | 14.02% | 12.80% | 12.70% | 12.21% | +86 bps | |
| Deposit Growth (YoY) | 6.91% | 5.12% | 7.23% | 8.86% | 7.96% | 8.20% | 8.63% | 7.72% | -115 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.60% | 1.52% | 1.73% | 1.24% | 0.85% | 1.20% | 0.71% | 0.76% | -48 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.01% | 0.00% | 0.17% | 0.17% | 0.16% | 0.02% | 0.02% | -15 bps | |
| Allowance / Loans | 1.60% | 1.62% | 1.51% | 1.40% | 1.33% | 1.32% | 1.26% | 1.28% | -12 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 0.9x | 1.1x | 1.6x | 1.1x | 1.8x | 1.7x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.68% | 12.61% | 12.64% | 12.26% | 12.33% | 12.09% | 12.18% | 12.09% | -17 bps | |
| Total Risk-Based Capital | 12.68% | 12.61% | 12.64% | 12.26% | 12.33% | 12.09% | 12.18% | 12.09% | -17 bps | |
| Equity / Assets | 12.30% | 12.12% | 12.01% | 11.84% | 12.10% | 11.69% | 11.84% | 11.72% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.17% | 102.40% | 103.11% | 105.10% | 106.84% | 106.76% | 106.98% | 109.48% | +438 bps | |
| Liquid Assets / Assets | 4.81% | 3.54% | 4.60% | 4.75% | 4.86% | 5.97% | 5.44% | 5.02% | +28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 266% | 285% | 288% | n/a | n/a | |
Elderton, PA · Cert 12985 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Keystrong Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.62%
Rank 130 of 746
Net Interest Margin
3.61%
Rank 396 of 746
Efficiency Ratio
44.27%
Rank 44 of 746
Equity / Assets
11.72%
Rank 257 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.62% | 0.72% | 1.06% | 1.45% | Beats 83% | 130 / 746 | ||
| Return on Equity | 13.82% | 6.74% | 10.51% | 13.63% | Beats 76% | 177 / 746 | ||
| Net Interest Margin | 3.61% | 3.17% | 3.68% | 4.16% | Beats 47% | 396 / 746 | ||
| Efficiency Ratio | 44.27% | 55.74% | 64.58% | 75.47% | Beats 94% | 44 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.76% | 0.09% | 0.42% | 1.07% | Beats 34% | 491 / 743 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 32% | 509 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.09% | 11.55% | 13.75% | 17.60% | Beats 32% | 504 / 746 | ||
| Total Risk-Based Capital Ratio | 12.09% | 11.71% | 14.33% | 18.43% | Beats 29% | 531 / 746 | ||
| Equity / Assets | 11.72% | 8.90% | 10.51% | 13.06% | Beats 66% | 257 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 109.48% | 61.31% | 78.27% | 90.78% | 97th pctl | 26 / 746 | ||
| Loans / Assets | 84.64% | 53.60% | 66.97% | 76.08% | 95th pctl | 39 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||