Wilmerding, PA · Cert 29430
SI · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
40
Asset Quality
86
Profitability
2
Liquidity
0
Efficiency
2
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.
Wilmerding, PA · Cert 29430
SI · FDIC · 1 branch
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.0% share · #42 of 48 inst. · $0.0B of $209.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.85% | -0.86% | -0.91% | -0.87% | 0.63% | 0.45% | -0.34% | -0.33% | +54 bps | |
| Return on Equity | -12.58% | -12.84% | -14.47% | -14.05% | 9.90% | 6.89% | -4.62% | -4.60% | +945 bps | |
| Net Interest Margin | 1.27% | 1.24% | 1.18% | 1.20% | 1.24% | 1.37% | 1.63% | 1.65% | +45 bps | |
| Efficiency Ratio | 165.98% | 167.10% | 168.56% | 164.30% | 77.88% | 82.79% | 118.93% | 118.84% | -4,546 bps | |
| Non-Interest Burden | 2.12% | 2.11% | 2.09% | 2.08% | 0.61% | 0.91% | 1.97% | 1.99% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.64% | -4.20% | -4.02% | -2.81% | -2.39% | -5.50% | -7.21% | -7.36% | -456 bps | |
| Loan Growth (YoY) | -4.24% | -4.41% | -2.95% | -4.74% | -6.00% | -2.91% | -5.88% | -2.08% | +266 bps | |
| Deposit Growth (YoY) | 11.18% | 7.02% | 1.17% | -2.66% | -3.21% | -6.10% | -6.53% | -6.26% | -360 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.24% | 0.20% | 0.26% | 0.57% | 0.17% | 0.09% | 0.13% | -12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.61% | 0.61% | 0.61% | 0.62% | 0.65% | 0.63% | 0.65% | 0.64% | +1 bps | |
| Allowance Coverage of NPLs | 3.1x | 2.6x | 3.0x | 2.4x | 1.1x | 3.7x | 7.6x | 4.8x | +2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.38% | 6.17% | 5.96% | 5.73% | 6.77% | 7.15% | 7.24% | 7.29% | +155 bps | |
| Total Risk-Based Capital | 13.82% | 12.79% | 12.95% | 12.12% | 14.58% | 15.26% | 16.01% | 15.33% | +322 bps | |
| Equity / Assets | 6.53% | 6.37% | 6.20% | 6.04% | 6.94% | 7.21% | 7.33% | 7.31% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.76% | 100.67% | 101.38% | 99.88% | 96.89% | 104.09% | 102.08% | 104.34% | +446 bps | |
| Liquid Assets / Assets | 3.76% | 3.58% | 3.13% | 4.28% | 9.75% | 4.08% | 4.65% | 2.27% | -201 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 25.80% | 44.78% | 18.39% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 1.65% | 3.17% | 3.68% | 4.16% | Beats 1% | 737 / 746 | ||
| Efficiency Ratio | 118.84% | 55.74% | 64.58% | 75.47% | Beats 2% | 734 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.42% | 1.07% | Beats 72% | 209 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.17% | 11.55% | 13.75% | 17.60% | Beats 53% | 347 / 746 | ||
| Total Risk-Based Capital Ratio | 15.33% | 11.71% | 14.33% | 18.43% | Beats 58% | 311 / 746 | ||
| Equity / Assets | 7.31% | 8.90% | 10.51% | 13.06% | Beats 8% | 685 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 104.34% | 61.31% | 78.27% | 90.78% | 94th pctl | 46 / 746 | ||
| Loans / Assets | 93.95% | 53.60% | 66.97% | 76.08% | 100th pctl | 1 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||