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 (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 | 0.06% | 0.14% | 0.16% | 0.29% | 0.20% | 0.13% | 0.16% | 0.27% | -2 bps | |
| Return on Equity | 0.63% | 1.52% | 1.68% | 3.23% | 2.12% | 1.29% | 1.55% | 2.76% | -47 bps | |
| Net Interest Margin | 1.74% | 1.70% | 1.74% | 1.77% | 1.88% | 1.91% | 2.01% | 2.07% | +30 bps | |
| Efficiency Ratio | 96.02% | 104.63% | 91.20% | 85.76% | 91.17% | 97.73% | 93.42% | 87.82% | +207 bps | |
| Non-Interest Burden | 1.63% | 1.79% | 1.53% | 1.41% | 1.64% | 1.85% | 1.84% | 1.71% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.04% | 13.96% | 19.45% | 23.58% | 2.09% | 2.25% | -0.42% | -6.54% | -3,012 bps | |
| Loan Growth (YoY) | 6.53% | 7.70% | 7.34% | 8.02% | 6.88% | 7.02% | 6.83% | 10.15% | +214 bps | |
| Deposit Growth (YoY) | 12.28% | 14.97% | 23.11% | 28.39% | 10.08% | 4.86% | 1.15% | -10.47% | -3,886 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.22% | 0.27% | 0.22% | 0.33% | 0.27% | 0.20% | 0.24% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.00% | 0.01% | 0.23% | 0.02% | 0.00% | 0 bps | |
| Allowance / Loans | 0.62% | 0.60% | 0.57% | 0.57% | 0.56% | 0.49% | 0.48% | 0.46% | -11 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.8x | 2.1x | 2.6x | 1.7x | 1.8x | 2.4x | 1.9x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.83% | 10.95% | 10.93% | 10.00% | 10.25% | 10.99% | 11.14% | 10.96% | +96 bps | |
| Total Risk-Based Capital | 22.59% | 22.21% | 21.69% | 21.63% | 21.17% | 21.05% | 20.63% | 20.10% | -153 bps | |
| Equity / Assets | 9.60% | 9.37% | 9.38% | 8.75% | 9.84% | 10.11% | 10.02% | 9.75% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.56% | 72.05% | 69.69% | 62.93% | 70.44% | 73.53% | 73.60% | 77.43% | +1,450 bps | |
| Liquid Assets / Assets | 4.90% | 4.64% | 6.89% | 14.44% | 5.48% | 4.15% | 4.08% | 3.62% | -1,082 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 83.53% | 84.60% | 84.18% | n/a | n/a | |