Pittsburgh, PA · Cert 27760 · WVS Financial Corp.
SI · FDIC · 5 branches
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.1% share · #34 of 48 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.49% | 0.52% | 0.66% | 0.66% | +22 bps | |
| Return on Equity | 4.68% | 5.12% | 5.42% | 7.06% | 7.07% | +239 bps | |
| Net Interest Margin | 1.79% | 1.74% | 1.74% | 1.96% | 1.92% | +13 bps | |
| Efficiency Ratio | 63.76% | 61.98% | 60.85% | 54.70% | 54.65% | -912 bps | |
| Non-Interest Burden | 1.10% | 1.04% | 1.02% | 1.03% | 1.01% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.11% | 0.81% | 3.06% | 3.63% | 3.20% | +431 bps | |
| Loan Growth (YoY) | 12.42% | 16.04% | 12.57% | 12.95% | 3.08% | -935 bps | |
| Deposit Growth (YoY) | 26.96% | 19.68% | 51.78% | -0.01% | -24.03% | -5,099 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.66% | 0.63% | 0.64% | 0.63% | 0.66% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.18% | 9.84% | 9.66% | 9.47% | 9.36% | -82 bps | |
| Total Risk-Based Capital | 27.72% | 27.49% | 24.84% | 23.35% | 9.36% | -1,836 bps | |
| Equity / Assets | 9.54% | 9.52% | 9.39% | 9.36% | 9.47% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.70% | 62.25% | 50.08% | 70.76% | 72.85% | +1,916 bps | |
| Liquid Assets / Assets | 58.11% | 55.53% | 51.63% | 49.21% | 48.04% | -1,007 bps | |
| CRE / Total Capital | n/a | 39.39% | 41.47% | 32.79% | n/a | n/a | |