Charleroi, PA · Cert 29672 · Charleroi Financial MHC
SI · FDIC · 10 branches
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.3% share · #19 of 48 inst. · $0.6B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.22% | 0.20% | 0.16% | 0.21% | -1 bps | |
| Return on Equity | 2.47% | 2.35% | 2.08% | 1.55% | 2.16% | -32 bps | |
| Net Interest Margin | 1.67% | 1.76% | 1.89% | 2.01% | 2.02% | +35 bps | |
| Efficiency Ratio | 88.24% | 89.28% | 91.40% | 93.42% | 90.40% | +216 bps | |
| Non-Interest Burden | 1.40% | 1.50% | 1.67% | 1.84% | 1.75% | +35 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.58% | 2.09% | 2.25% | -0.42% | -6.54% | -3,012 bps | |
| Loan Growth (YoY) | 8.02% | 6.88% | 7.02% | 6.83% | 10.15% | +214 bps | |
| Deposit Growth (YoY) | 28.39% | 10.08% | 4.86% | 1.15% | -10.47% | -3,886 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.22% | 0.33% | 0.27% | 0.20% | 0.24% | +2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.07% | 0.02% | 0.01% | 0 bps | |
| Allowance / Loans | 0.57% | 0.56% | 0.49% | 0.48% | 0.46% | -11 bps | |
| Allowance Coverage of NPLs | 2.6x | 1.7x | 1.8x | 2.4x | 1.9x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.00% | 10.25% | 10.99% | 11.14% | 10.96% | +96 bps | |
| Total Risk-Based Capital | 21.63% | 21.17% | 21.05% | 20.63% | 20.10% | -153 bps | |
| Equity / Assets | 8.75% | 9.84% | 10.11% | 10.02% | 9.75% | +100 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.93% | 70.44% | 73.53% | 73.60% | 77.43% | +1,450 bps | |
| Liquid Assets / Assets | 14.44% | 5.48% | 4.15% | 4.08% | 3.62% | -1,082 bps | |
| CRE / Total Capital | n/a | 83.53% | 84.60% | 84.18% | n/a | n/a | |