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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.88% | 0.80% | 0.74% | 0.82% | -3 bps | |
| Return on Equity | 3.59% | 3.76% | 3.43% | 3.27% | 3.57% | -1 bps | |
| Net Interest Margin | 2.15% | 2.20% | 2.15% | 2.24% | 2.27% | +13 bps | |
| Efficiency Ratio | 55.97% | 55.64% | 58.87% | 59.59% | 57.94% | +197 bps | |
| Non-Interest Burden | 1.15% | 1.17% | 1.22% | 1.24% | 1.22% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.28% | 8.53% | 12.39% | 5.04% | 3.06% | -622 bps | |
| Loan Growth (YoY) | 6.97% | 6.70% | 19.47% | 24.04% | 32.78% | +2,581 bps | |
| Deposit Growth (YoY) | 2.49% | 2.42% | 5.61% | 6.37% | 3.58% | +109 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 0.95% | 0.94% | 0.93% | 0.83% | 0.83% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.3x | 0.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 25.80% | 25.76% | 25.33% | 23.96% | 23.76% | -204 bps | |
| Total Risk-Based Capital | 57.03% | 58.54% | 52.71% | 46.03% | 45.40% | -1,163 bps | |
| Equity / Assets | 23.18% | 23.71% | 23.17% | 22.42% | 22.94% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 23.44% | 23.22% | 24.96% | 26.25% | 30.05% | +661 bps | |
| Liquid Assets / Assets | 4.57% | 10.89% | 6.70% | 7.75% | 4.43% | -14 bps | |
| CRE / Total Capital | n/a | 33.34% | 34.22% | 36.90% | n/a | n/a | |