Waynesburg, PA · Cert 28706
State savings bank · OCC · 7 branches
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.2% share · #24 of 48 inst. · $0.4B 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 | 0.03% | 0.06% | 0.30% | 0.36% | 0.29% | 0.23% | 0.47% | 0.50% | +14 bps | |
| Return on Equity | 0.19% | 0.40% | 2.09% | 2.45% | 1.93% | 1.53% | 3.15% | 3.35% | +90 bps | |
| Net Interest Margin | 2.04% | 2.10% | 2.32% | 2.48% | 2.54% | 2.55% | 2.54% | 2.70% | +22 bps | |
| Efficiency Ratio | 100.64% | 95.90% | 89.42% | 86.44% | 84.39% | 85.04% | 77.32% | 78.96% | -748 bps | |
| Non-Interest Burden | 2.06% | 2.00% | 2.05% | 2.12% | 2.11% | 2.13% | 1.91% | 2.09% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.26% | -0.92% | -3.27% | -2.21% | -3.31% | -0.67% | 2.63% | 1.85% | +405 bps | |
| Loan Growth (YoY) | 0.22% | 0.82% | 1.45% | 2.33% | 3.68% | 4.38% | 4.80% | 7.06% | +473 bps | |
| Deposit Growth (YoY) | 0.06% | -1.46% | -4.42% | -3.24% | -4.25% | -1.55% | 2.50% | 1.67% | +492 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.59% | 0.53% | 0.47% | 0.54% | 0.63% | 0.69% | 0.62% | 0.54% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.24% | 0.24% | 0.21% | 0.21% | 0.22% | 0.26% | 0.25% | 0.25% | +5 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.5x | 0.4x | 0.4x | 0.4x | 0.4x | 0.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.83% | 15.15% | 15.26% | 15.38% | 15.52% | 15.70% | 15.49% | 15.37% | -2 bps | |
| Total Risk-Based Capital | 33.62% | 33.46% | 33.63% | 33.35% | 32.78% | 32.48% | 32.21% | 32.08% | -127 bps | |
| Equity / Assets | 14.32% | 14.37% | 14.66% | 14.83% | 15.19% | 15.15% | 14.77% | 14.99% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.23% | 77.74% | 78.79% | 79.15% | 82.54% | 82.42% | 80.55% | 83.35% | +419 bps | |
| Liquid Assets / Assets | 10.84% | 9.90% | 9.69% | 8.82% | 6.99% | 7.72% | 9.90% | 7.82% | -100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 24.18% | 25.41% | 23.98% | n/a | n/a | |