Washington, PA · Cert 29520 · WFSB Mutual Holding Co.
SI · FDIC · 10 branches
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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
33
Profitability
36
Liquidity
100
Efficiency
47
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.
Washington, PA · Cert 29520 · WFSB Mutual Holding Co.
SI · FDIC · 10 branches
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.6% share · #13 of 48 inst. · $1.2B 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 | 0.32% | 0.36% | 0.82% | 0.73% | 0.66% | 0.32% | 1.09% | 1.15% | +42 bps | |
| Return on Equity | 2.90% | 3.22% | 6.57% | 5.81% | 5.20% | 2.52% | 7.93% | 8.23% | +241 bps | |
| Net Interest Margin | 2.32% | 2.34% | 2.74% | 2.79% | 2.81% | 2.87% | 3.32% | 3.36% | +57 bps | |
| Efficiency Ratio | 76.16% | 76.25% | 74.20% | 71.38% | 71.28% | 69.47% | 64.37% | 60.29% | -1,109 bps | |
| Non-Interest Burden | 1.67% | 1.69% | 1.97% | 1.91% | 1.92% | 1.90% | 2.04% | 1.87% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.66% | -5.36% | -5.62% | -5.94% | -2.97% | -1.71% | -1.22% | -3.14% | +280 bps | |
| Loan Growth (YoY) | -0.20% | -0.44% | -1.00% | -1.08% | -0.16% | -1.02% | -0.87% | -1.18% | -10 bps | |
| Deposit Growth (YoY) | -7.32% | 1.12% | 0.79% | -0.86% | 1.78% | -3.41% | -4.20% | -5.19% | -433 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.59% | 0.79% | 0.73% | 0.72% | 0.62% | 0.78% | 0.46% | -27 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.58% | +58 bps | |
| Allowance / Loans | 1.07% | 1.10% | 1.00% | 1.06% | 1.15% | 1.15% | 1.14% | 0.91% | -15 bps | |
| Allowance Coverage of NPLs | 19.1x | 1.9x | 1.3x | 1.4x | 1.6x | 1.8x | 1.5x | 2.0x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.82% | 12.96% | 13.77% | 13.94% | 13.98% | 13.72% | 14.53% | 14.75% | +80 bps | |
| Total Risk-Based Capital | 12.82% | 12.96% | 13.77% | 13.94% | 13.98% | 13.72% | 14.53% | 14.75% | +80 bps | |
| Equity / Assets | 11.59% | 12.10% | 12.77% | 12.95% | 12.77% | 13.56% | 13.96% | 14.53% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.75% | 83.80% | 85.43% | 84.40% | 82.16% | 85.89% | 88.40% | 87.96% | +357 bps | |
| Liquid Assets / Assets | 7.54% | 4.02% | 2.84% | 3.92% | 6.26% | 3.26% | 2.52% | 2.33% | -159 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 213% | 216% | 209% | n/a | n/a | |
Washington, PA · Cert 29520 · Peer group: banks $1B-$10B in assets (n=322-328) · WFSB Mutual Holding Co.
SI · FDIC · 10 branches
Q2 2026
Return on Assets
1.17%
Rank 185 of 328
Net Interest Margin
3.36%
Rank 187 of 328
Efficiency Ratio
60.29%
Rank 175 of 328
Equity / Assets
14.53%
Rank 26 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.17% | 0.91% | 1.22% | 1.52% | Beats 44% | 185 / 328 | ||
| Return on Equity | 8.04% | 8.43% | 11.45% | 14.43% | Beats 21% | 260 / 328 | ||
| Net Interest Margin | 3.36% | 3.03% | 3.45% | 3.83% | Beats 43% | 187 / 328 | ||
| Efficiency Ratio | 60.29% | 51.61% | 59.56% | 67.53% | Beats 47% | 175 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.24% | 0.51% | 1.03% | Beats 56% | 142 / 322 | ||
| Net Charge-Offs / Loans | 0.29% | 0.01% | 0.03% | 0.10% | Beats 10% | 292 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.75% | 11.75% | 13.15% | 15.47% | Beats 69% | 103 / 328 | ||
| Total Risk-Based Capital Ratio | 14.75% | 12.63% | 14.15% | 16.46% | Beats 59% | 135 / 328 | ||
| Equity / Assets | 14.53% | 9.15% | 10.33% | 12.01% | Beats 92% | 26 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.96% | 76.63% | 87.92% | 95.36% | 50th pctl | 161 / 323 | ||
| Loans / Assets | 74.21% | 65.18% | 74.15% | 79.98% | 51st pctl | 162 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||