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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.33% | 1.50% | 1.21% | 1.66% | 1.33% | 1.74% | 1.59% | +39 bps | |
| Return on Equity | 11.17% | 10.87% | 12.46% | 10.12% | 13.85% | 11.21% | 14.79% | 13.51% | +340 bps | |
| Net Interest Margin | 3.06% | 3.10% | 3.07% | 3.29% | 3.50% | 3.51% | 3.56% | 3.75% | +46 bps | |
| Efficiency Ratio | 51.47% | 54.49% | 51.82% | 52.50% | 45.35% | 48.40% | 43.79% | 44.72% | -778 bps | |
| Non-Interest Burden | 1.47% | 1.55% | 1.42% | 1.62% | 1.45% | 1.57% | 1.41% | 1.55% | -7 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 | 0.19% | -0.45% | 0.00% | 0.34% | 0.18% | 0.13% | 0.02% | 0.01% | -33 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 | |