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 (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 | 0.66% | 0.37% | 0.76% | 0.91% | 0.96% | 0.57% | 0.74% | 0.89% | -3 bps | |
| Return on Equity | 2.70% | 1.51% | 3.22% | 3.94% | 4.09% | 2.45% | 3.27% | 3.90% | -4 bps | |
| Net Interest Margin | 2.11% | 2.11% | 2.28% | 2.10% | 2.35% | 2.15% | 2.24% | 2.35% | +25 bps | |
| Efficiency Ratio | 64.72% | 92.58% | 60.84% | 50.88% | 55.05% | 68.47% | 59.59% | 56.38% | +550 bps | |
| Non-Interest Burden | 1.32% | 1.96% | 1.34% | 1.01% | 1.24% | 1.43% | 1.24% | 1.23% | +21 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 | |