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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