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Compass Savings Bank

Wilmerding, PA · Cert 29430

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

2

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

2

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Compass Savings Bank

Wilmerding, PA · Cert 29430

SI · FDIC · 1 branch

Q2 2026

$53.5MAssets
$50.3MLoans
$48.2MDeposits
$3.9MEquity
Loan mix
98%RE $48.2M0%C&I $0.2M2%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $42.8M11%Noninterest $5.4MQ2 2025Q2 2026

NIM

4.14%Q2 ’244.18%Q2 ’254.42%Q2 ’26-2%+37%

Non-interest income vs. expense

2.13%Q2 ’242.24%Q2 ’252.14%Q2 ’26-3%-4%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.0% share · #42 of 48 inst. · $0.0B of $209.3B

Executive Summary

  • Earnings: ROA of -0.33%, up 54 bps year over year; NIM at 1.65%.
  • Asset quality: problem loans at 0.13% of loans (-12 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.29%, up 155 bps from a year ago.
  • Funding: loans stand at 104.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.33%+54 bps YoY

Net Interest Margin (YTD, annualized)

1.65%+45 bps YoY

Efficiency Ratio (YTD, annualized)

118.84%-4,546 bps YoY

Tier 1 Leverage Ratio

7.29%+155 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.87%0.63%0.45%-0.34%-0.33%+54 bps
Return on Equity-14.05%9.90%6.89%-4.62%-4.60%+945 bps
Net Interest Margin1.20%1.24%1.37%1.63%1.65%+45 bps
Efficiency Ratio164.30%77.88%82.79%118.93%118.84%-4,546 bps
Non-Interest Burden2.08%0.61%0.91%1.97%1.99%-8 bps
Growth
Asset Growth (YoY)-2.81%-2.39%-5.50%-7.21%-7.36%-456 bps
Loan Growth (YoY)-4.74%-6.00%-2.91%-5.88%-2.08%+266 bps
Deposit Growth (YoY)-2.66%-3.21%-6.10%-6.53%-6.26%-360 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.57%0.17%0.09%0.13%-12 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.62%0.65%0.63%0.65%0.64%+1 bps
Allowance Coverage of NPLs2.4x1.1x3.7x7.6x4.8x+2.4x
Capital
Tier 1 Leverage Ratio5.73%6.77%7.15%7.24%7.29%+155 bps
Total Risk-Based Capital12.12%14.58%15.26%16.01%15.33%+322 bps
Equity / Assets6.04%6.94%7.21%7.33%7.31%+127 bps
Liquidity & Funding
Loans / Deposits99.88%96.89%104.09%102.08%104.34%+446 bps
Liquid Assets / Assets4.28%9.75%4.08%4.65%2.27%-201 bps
CRE / Total Capitaln/a25.80%44.78%18.39%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Compass Savings Bank

Wilmerding, PA · Cert 29430 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 1 branch

Q2 2026

$53.5MAssets
$50.3MLoans
$48.2MDeposits
$3.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets operating in a single state (rank 737 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.34%

Rank 730 of 746

Net Interest Margin

1.65%

Rank 737 of 746

Efficiency Ratio

118.84%

Rank 734 of 746

Equity / Assets

7.31%

Rank 685 of 746

Non-interest income vs. expense

$0.1M$1.1MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state
Bank 118.84%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.34%0.72%1.06%1.45%Beats 2%730 / 746
Return on Equity-4.65%6.74%10.51%13.63%Beats 2%732 / 746
Net Interest Margin1.65%3.17%3.68%4.16%Beats 1%737 / 746
Efficiency Ratio118.84%55.74%64.58%75.47%Beats 2%734 / 746
Asset Quality
Nonperforming Loans / Loans0.13%0.09%0.42%1.07%Beats 72%209 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio14.17%11.55%13.75%17.60%Beats 53%347 / 746
Total Risk-Based Capital Ratio15.33%11.71%14.33%18.43%Beats 58%311 / 746
Equity / Assets7.31%8.90%10.51%13.06%Beats 8%685 / 746
Liquidity & Funding
Loans / Deposits104.34%61.31%78.27%90.78%94th pctl46 / 746
Loans / Assets93.95%53.60%66.97%76.08%100th pctl1 / 746
Brokered Deposits / Depositsn/aNot reported for this institution