Sewickley, PA · Cert 30154
SI · FDIC · 3 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 under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
54
Profitability
16
Liquidity
0
Efficiency
68
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.
Sewickley, PA · Cert 30154
SI · FDIC · 3 branches
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.1% share · #30 of 48 inst. · $0.2B 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 | 0.78% | 0.68% | 0.76% | 0.84% | 0.88% | 0.80% | 0.74% | 0.82% | -3 bps | |
| Return on Equity | 3.24% | 2.82% | 3.22% | 3.59% | 3.76% | 3.43% | 3.27% | 3.57% | -1 bps | |
| Net Interest Margin | 2.23% | 2.16% | 2.28% | 2.15% | 2.20% | 2.15% | 2.24% | 2.27% | +13 bps | |
| Efficiency Ratio | 61.72% | 68.59% | 60.84% | 55.97% | 55.64% | 58.87% | 59.59% | 57.94% | +197 bps | |
| Non-Interest Burden | 1.30% | 1.45% | 1.34% | 1.15% | 1.17% | 1.22% | 1.24% | 1.22% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | -1.18% | 6.53% | 9.28% | 8.53% | 12.39% | 5.04% | 3.06% | -622 bps | |
| Loan Growth (YoY) | -5.71% | -5.51% | -0.49% | 6.97% | 6.70% | 19.47% | 24.04% | 32.78% | +2,581 bps | |
| Deposit Growth (YoY) | -0.35% | 0.45% | 1.22% | 2.49% | 2.42% | 5.61% | 6.37% | 3.58% | +109 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.12% | 2.73% | +273 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.97% | 0.95% | 0.98% | 0.95% | 0.94% | 0.93% | 0.83% | 0.83% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 0.3x | 0.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 27.51% | 27.01% | 26.56% | 25.80% | 25.76% | 25.33% | 23.96% | 23.76% | -204 bps | |
| Total Risk-Based Capital | 60.00% | 59.22% | 57.67% | 57.03% | 58.54% | 52.71% | 46.03% | 45.40% | -1,163 bps | |
| Equity / Assets | 25.11% | 24.18% | 23.08% | 23.18% | 23.71% | 23.17% | 22.42% | 22.94% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 22.29% | 22.07% | 22.51% | 23.44% | 23.22% | 24.96% | 26.25% | 30.05% | +661 bps | |
| Liquid Assets / Assets | 4.48% | 4.18% | 5.40% | 4.57% | 10.89% | 6.70% | 7.75% | 4.43% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 33.34% | 34.22% | 36.90% | n/a | n/a | |
Sewickley, PA · Cert 30154 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 3 branches
Q2 2026
Return on Assets
0.82%
Rank 508 of 746
Net Interest Margin
2.27%
Rank 713 of 746
Efficiency Ratio
57.94%
Rank 241 of 746
Equity / Assets
22.94%
Rank 23 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.72% | 1.06% | 1.45% | Beats 32% | 508 / 746 | ||
| Return on Equity | 3.57% | 6.74% | 10.51% | 13.63% | Beats 12% | 653 / 746 | ||
| Net Interest Margin | 2.27% | 3.17% | 3.68% | 4.16% | Beats 4% | 713 / 746 | ||
| Efficiency Ratio | 57.94% | 55.74% | 64.58% | 75.47% | Beats 68% | 241 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.73% | 0.09% | 0.42% | 1.07% | Beats 7% | 693 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 45.40% | 11.55% | 13.75% | 17.60% | Beats 98% | 13 / 746 | ||
| Total Risk-Based Capital Ratio | 45.40% | 11.71% | 14.33% | 18.43% | Beats 98% | 13 / 746 | ||
| Equity / Assets | 22.94% | 8.90% | 10.51% | 13.06% | Beats 97% | 23 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 30.05% | 61.31% | 78.27% | 90.78% | 2nd pctl | 732 / 746 | ||
| Loans / Assets | 21.13% | 53.60% | 66.97% | 76.08% | 2nd pctl | 734 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||