Bethel Park, PA · Cert 27943 · Mutual Holding Co. of W PA
SI · FDIC · 14 branches
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.4% share · #17 of 48 inst. · $0.7B of $209.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04%1 | -0.10% | 0.06% | 0.17% | 0.11% | -0.10% | 0.10% | 0.10% | -7 bps | |
| Return on Equity | 0.41% | -1.05% | 0.63% | 1.82% | 1.17% | -1.02% | 1.01% | 1.08% | -74 bps | |
| Net Interest Margin | 2.11% | 2.05% | 2.05% | 2.06% | 2.14% | 2.26% | 2.23% | 2.37% | +30 bps | |
| Efficiency Ratio | 106.52% | 100.91% | 90.75% | 93.08% | 95.55% | 90.47% | 95.57% | 92.98% | -10 bps | |
| Non-Interest Burden | 2.25% | 2.06% | 1.81% | 1.89% | 2.03% | 2.02% | 2.10% | 2.18% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.16% | 7.61% | 1.15% | 3.47% | 3.28% | 0.34% | 4.63% | 0.70% | -277 bps | |
| Loan Growth (YoY) | 6.49% | 6.01% | 4.33% | 1.34% | 1.19% | -0.44% | 0.72% | 2.18% | +83 bps | |
| Deposit Growth (YoY) | -1.96% | -0.35% | 2.77% | 6.97% | 8.14% | 7.50% | 3.74% | -1.04% | -801 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.10% | 0.11% | 0.58% | 0.81% | 1.07% | 1.07% | 0.75% | +17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.25% | 0.00% | 0.05% | 0.07% | 0.46% | 0.00% | 0 bps | |
| Allowance / Loans | 0.56% | 0.57% | 0.61% | 0.61% | 0.60% | 0.71% | 0.59% | 0.59% | -2 bps | |
| Allowance Coverage of NPLs | 5.2x | 6.0x | 5.7x | 1.0x | 0.7x | 0.7x | 0.5x | 0.8x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.93% | 9.81% | 9.87% | 9.79% | 9.68% | 9.73% | 9.77% | 9.75% | -3 bps | |
| Total Risk-Based Capital | 9.93% | 9.81% | 9.87% | 9.79% | 9.68% | 9.73% | 9.77% | 9.75% | -3 bps | |
| Equity / Assets | 9.58% | 9.25% | 9.60% | 9.30% | 9.47% | 9.65% | 9.49% | 9.48% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.57% | 111.69% | 110.03% | 103.58% | 102.53% | 103.44% | 106.83% | 106.95% | +336 bps | |
| Liquid Assets / Assets | 2.23% | 2.73% | 2.79% | 5.62% | 3.96% | 2.60% | 2.86% | 3.53% | -210 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 438% | 435% | 441% | n/a | n/a | |