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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 0.66%, up 22 bps year over year; NIM at 1.92%.
  • 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 (YTD, annualized)

0.66%+22 bps YoY

Net Interest Margin (YTD, annualized)

1.92%+13 bps YoY

Efficiency Ratio (YTD, annualized)

54.65%-912 bps YoY

Tier 1 Leverage Ratio

9.36%-82 bps YoY

NIM

4.49%Q2 ’244.42%Q2 ’254.35%Q2 ’26+19%+7%

Non-interest income vs. expense

1.05%Q2 ’241.20%Q2 ’251.10%Q2 ’26+16%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.40%0.48%0.45%0.49%0.52%0.66%0.66%+22 bps
Return on Equity4.29%4.24%5.04%4.68%5.12%5.42%7.06%7.07%+239 bps
Net Interest Margin1.57%1.64%1.83%1.79%1.74%1.74%1.96%1.92%+13 bps
Efficiency Ratio65.98%66.44%61.88%63.76%61.98%60.85%54.70%54.65%-912 bps
Non-Interest Burden1.00%1.05%1.09%1.10%1.04%1.02%1.03%1.01%-10 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