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Standard Bank, Pasb

Murrysville, PA · Cert 27757

FDIC · 18 branches

Q2 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2022, the quarter ended June 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Standard Bank, Pasb

Murrysville, PA · Cert 27757

FDIC · 18 branches

Q2 2022

$996.3MAssets
$625.1MLoans
$791.6MDeposits
$151.8MEquity
Loan mix
94%RE $483.0M5%C&I $27.9M0%Consumer $0.4MQ2 2021Q2 2022
Deposit mix
72%Interest-bearing $570.9M28%Noninterest $220.7MQ2 2021Q2 2022

NIM

3.43%Q2 ’200.46%Q2 ’212.90%Q2 ’22-85%+618%

Non-interest income vs. expense

2.06%Q2 ’200.36%Q2 ’212.31%Q2 ’22-81%+557%

Market Position · Pittsburgh, PA · 2022 SOD (annual) · 0.3% share · #18 of 52 inst. · $0.7B of $224.7B

0.2% Allegheny
2.4% Westmoreland
11.3% Allegany
3.0% Bedford

Executive Summary

  • Earnings: ROA of 0.64%, up 56 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.65% of loans (+12 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.29%, up 182 bps from a year ago.
  • Funding: loans stand at 78.97% of deposits as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

0.64%+56 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+245 bps YoY

Efficiency Ratio (YTD, annualized)

71.40%-771 bps YoY

Tier 1 Leverage Ratio

13.29%+182 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets0.07%0.35%0.63%0.49%0.64%+56 bps
Return on Equity0.53%2.51%4.41%3.16%4.15%+363 bps
Net Interest Margin0.40%1.24%1.67%2.63%2.84%+245 bps
Efficiency Ratio79.11%66.07%62.83%75.92%71.40%-771 bps
Non-Interest Burden0.29%0.73%0.93%1.88%1.89%+160 bps
Growth
Asset Growth (YoY)2.19%-2.26%-1.44%-4.44%-8.12%-1,031 bps
Loan Growth (YoY)-6.96%-9.59%-12.19%-11.86%-10.39%-343 bps
Deposit Growth (YoY)7.48%0.07%0.05%-4.50%-6.99%-1,447 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.80%0.80%0.79%0.65%+12 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans0.00%0.02%0.05%0.08%0.11%+11 bps
Allowance Coverage of NPLs0.0x0.0x0.1x0.1x0.2x+0.2x
Capital
Tier 1 Leverage Ratio11.47%12.17%12.68%12.94%13.29%+182 bps
Total Risk-Based Capital17.94%19.08%20.29%20.89%21.56%+362 bps
Equity / Assets14.30%15.05%15.52%15.19%15.24%+93 bps
Liquidity & Funding
Loans / Deposits81.95%84.08%80.49%79.73%78.97%-299 bps
Liquid Assets / Assets8.92%8.69%12.34%11.90%10.59%+167 bps
CRE / Total Capitaln/an/an/an/an/an/an/a