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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 ’244.76%Q2 ’254.87%Q2 ’26+5%+14%

Non-interest income vs. expense

0.79%Q2 ’240.87%Q2 ’250.75%Q2 ’26-5%-4%

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

Executive Summary

  • Earnings: ROA of 0.91%, up 15 bps year over year; NIM at 2.26%.
  • Asset quality: problem loans at 1.99% of loans (+23 bps YoY), with net charge-offs at 0.11%.
  • 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 (quarter, annualized)

0.91%+15 bps YoY

Net Interest Margin (quarter, annualized)

2.26%+28 bps YoY

Efficiency Ratio (quarter, annualized)

32.63%-868 bps YoY

Tier 1 Leverage Ratio

16.55%+53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.88%1.02%0.84%0.91%+15 bps
Return on Equity4.75%5.51%6.27%5.17%5.51%+77 bps
Net Interest Margin1.97%2.10%2.25%2.26%2.26%+28 bps
Efficiency Ratio41.31%30.76%56.28%39.34%32.63%-868 bps
Non-Interest Burden0.74%0.47%1.27%1.07%0.71%-3 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 / Loans0.05%0.00%0.00%0.00%0.11%+6 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