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 (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 | -0.32% | 0.48% | 0.82% | 0.65% | 0.52% | -0.68% | 1.09% | 1.21% | +56 bps | |
| Return on Equity | -2.82% | 4.09% | 6.57% | 5.06% | 4.02% | -5.17% | 7.93% | 8.53% | +347 bps | |
| Net Interest Margin | 2.30% | 2.38% | 2.74% | 2.83% | 2.89% | 3.09% | 3.32% | 3.41% | +58 bps | |
| Efficiency Ratio | 81.80% | 76.57% | 74.20% | 68.70% | 71.08% | 64.53% | 64.37% | 56.55% | -1,215 bps | |
| Non-Interest Burden | 1.84% | 1.77% | 1.97% | 1.84% | 1.98% | 1.90% | 2.04% | 1.72% | -12 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% | 0.01% | 0.01% | 0.01% | 0.00% | 1.16% | +115 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 | |