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West View Savings Bank

Pittsburgh, PA · Cert 27760 · WVS Financial Corp.

SI · FDIC · 5 branches

Q2 2026

$365.1MAssets
$89.1MLoans
$122.3MDeposits
$34.6MEquity
Loan mix
100%RE $92.5M0%C&I $0.1M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $99.2M19%Noninterest $23.1MQ3 2024Q2 2026

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.1% share · #34 of 48 inst. · $0.1B of $209.3B

0.1% Allegheny
0.4% Butler

Executive Summary

  • Earnings: ROA of 0.67%, up 25 bps year over year; NIM at 1.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.36%, down 82 bps from a year ago.
  • Funding: loans stand at 72.85% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.67%+25 bps YoY

Net Interest Margin (quarter, annualized)

1.91%+12 bps YoY

Efficiency Ratio (quarter, annualized)

54.60%-1,105 bps YoY

Tier 1 Leverage Ratio

9.36%-82 bps YoY

NIM

4.59%Q2 ’244.47%Q2 ’254.35%Q2 ’26+23%+7%

Non-interest income vs. expense

1.02%Q2 ’241.24%Q2 ’251.09%Q2 ’26+24%-12%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.39%0.48%0.41%0.57%0.60%0.66%0.67%+25 bps
Return on Equity4.58%4.08%5.04%4.32%6.00%6.33%7.06%7.08%+276 bps
Net Interest Margin1.58%1.63%1.83%1.78%1.80%1.85%1.96%1.91%+12 bps
Efficiency Ratio66.85%67.84%61.88%65.65%58.57%57.71%54.70%54.60%-1,105 bps
Non-Interest Burden1.03%1.07%1.09%1.14%1.01%1.03%1.03%1.00%-14 bps
Growth
Asset Growth (YoY)-0.34%-2.27%-2.41%-1.11%0.81%3.06%3.63%3.20%+431 bps
Loan Growth (YoY)6.36%10.20%8.78%12.42%16.04%12.57%12.95%3.08%-935 bps
Deposit Growth (YoY)-5.80%-9.48%1.90%26.96%19.68%51.78%-0.01%-24.03%-5,099 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.65%0.64%0.64%0.66%0.63%0.64%0.63%0.66%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.67%10.16%10.43%10.18%9.84%9.66%9.47%9.36%-82 bps
Total Risk-Based Capital29.94%33.98%31.11%27.72%27.49%24.84%23.35%9.36%-1,836 bps
Equity / Assets9.53%9.60%9.55%9.54%9.52%9.39%9.36%9.47%-6 bps
Liquidity & Funding
Loans / Deposits64.20%67.53%62.64%53.70%62.25%50.08%70.76%72.85%+1,916 bps
Liquid Assets / Assets62.94%65.71%65.31%58.11%55.53%51.63%49.21%48.04%-1,007 bps
CRE / Total Capitaln/an/an/an/a39.39%41.47%32.79%n/an/a