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Slovenian Savings and Loan Association of Canonsburg, PA

Strabane, PA · Cert 27686

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

72

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

98

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Slovenian Savings and Loan Association of Canonsburg, PA

Strabane, PA · Cert 27686

SI · FDIC · 1 branch

Q2 2026

$627.0MAssets
$268.2MLoans
$522.6MDeposits
$103.4MEquity
Loan mix
99%RE $263.6M0%C&I $0.0M1%Consumer $3.6MQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $518.7M1%Noninterest $4.0MQ2 2025Q2 2026

NIM

4.67%Q2 ’244.70%Q2 ’254.82%Q2 ’26-2%+18%

Non-interest income vs. expense

0.79%Q2 ’240.83%Q2 ’250.76%Q2 ’26-1%+16%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.2% share · #22 of 48 inst. · $0.5B of $209.3B

Executive Summary

  • Earnings: ROA of 0.87%, up 9 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 1.99% of loans (+23 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 16.55%, up 53 bps from a year ago.
  • Funding: loans stand at 51.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.25%+35 bps YoY

Efficiency Ratio (YTD, annualized)

35.71%-649 bps YoY

Tier 1 Leverage Ratio

16.55%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.82%0.87%0.84%0.87%+9 bps
Return on Equity4.93%5.12%5.41%5.17%5.34%+41 bps
Net Interest Margin1.90%1.96%2.03%2.26%2.25%+35 bps
Efficiency Ratio42.20%37.89%42.76%39.34%35.71%-649 bps
Non-Interest Burden0.76%0.66%0.81%1.07%0.88%+12 bps
Growth
Asset Growth (YoY)4.09%5.15%2.88%2.51%2.13%-197 bps
Loan Growth (YoY)3.11%5.49%6.20%5.63%5.88%+277 bps
Deposit Growth (YoY)4.35%5.89%3.03%1.98%1.46%-289 bps
Asset Quality
Nonperforming Loans / Loans1.76%1.33%1.64%1.13%1.99%+23 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.00%0.06%+3 bps
Allowance / Loans0.96%0.96%0.98%0.99%1.00%+4 bps
Allowance Coverage of NPLs0.5x0.7x0.6x0.9x0.5x0.0x
Capital
Tier 1 Leverage Ratio16.01%16.09%16.33%16.51%16.55%+53 bps
Total Risk-Based Capital16.01%16.09%16.33%16.51%16.55%+53 bps
Equity / Assets15.93%16.15%16.28%16.39%16.49%+57 bps
Liquidity & Funding
Loans / Deposits49.18%50.77%51.70%51.40%51.33%+215 bps
Liquid Assets / Assets58.00%56.84%55.86%56.42%56.54%-145 bps
CRE / Total Capitaln/a44.23%46.18%48.08%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Slovenian Savings and Loan Association of Canonsburg, PA

Strabane, PA · Cert 27686 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 1 branch

Q2 2026

$627.0MAssets
$268.2MLoans
$522.6MDeposits
$103.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 98% of banks under $1B in assets (rank 13 of 629).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets (rank 588 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.87%

Rank 385 of 629

Net Interest Margin

2.25%

Rank 588 of 629

Efficiency Ratio

35.71%

Rank 13 of 629

Equity / Assets

16.49%

Rank 113 of 629

Non-interest income vs. expense

-$0.8M$4.7MINCOMEEXPENSE
Unfavorable gap of $5.5M · efficiency ratio beats 98% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%0.60%1.01%1.45%Beats 39%385 / 629
Return on Equity5.27%5.38%9.30%13.28%Beats 24%476 / 629
Net Interest Margin2.25%3.03%3.54%4.05%Beats 7%588 / 629
Efficiency Ratio35.71%58.35%67.79%79.08%Beats 98%13 / 629
Asset Quality
Nonperforming Loans / Loans1.99%0.09%0.46%1.20%Beats 14%501 / 581
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 38%365 / 581
Capital
Tier 1 Capital Ratio16.55%11.24%13.84%18.77%Beats 68%203 / 629
Total Risk-Based Capital Ratio16.55%11.58%14.43%19.66%Beats 65%222 / 629
Equity / Assets16.49%9.09%10.65%13.80%Beats 82%113 / 629
Liquidity & Funding
Loans / Deposits51.33%67.24%80.90%93.48%11th pctl529 / 594
Loans / Assets42.78%53.31%67.71%78.15%16th pctl530 / 629
Brokered Deposits / Depositsn/aNot reported for this institution