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Westmoreland Federal Savings and Loan Association of Latrobe

Latrobe, PA · Cert 30551

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

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.

Peer standing

Capital

94

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

3

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

21

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Westmoreland Federal Savings and Loan Association of Latrobe

Latrobe, PA · Cert 30551

State savings bank · OCC · 1 branch

Q2 2026

$166.5MAssets
$69.6MLoans
$120.9MDeposits
$45.0MEquity
Loan mix
100%RE $68.9M0%C&I $0.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
98%Interest-bearing $118.0M2%Noninterest $2.9MQ3 2024Q2 2026

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.1% share · #35 of 48 inst. · $0.1B of $209.3B

Executive Summary

  • Earnings: ROA of 0.02%, down 62 bps year over year; NIM at 2.11%.
  • Asset quality: problem loans at 1.37% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 26.92%, up 5 bps from a year ago.
  • Funding: loans stand at 57.59% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.02%-62 bps YoY

Net Interest Margin (YTD, annualized)

2.11%+17 bps YoY

Efficiency Ratio (YTD, annualized)

77.99%-558 bps YoY

Tier 1 Leverage Ratio

26.92%+5 bps YoY

NIM

3.69%Q2 ’243.80%Q2 ’253.76%Q2 ’26-4%+9%

Non-interest income vs. expense

1.63%Q2 ’241.63%Q2 ’251.65%Q2 ’26+0%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.31%0.46%10.64%10.71%10.53%1-0.33%0.02%-62 bps
Return on Equity1.00%1.17%1.76%2.41%2.68%1.98%-1.24%0.08%-233 bps
Net Interest Margin1.92%1.87%1.77%1.94%1.98%1.98%1.98%2.11%+17 bps
Efficiency Ratio84.07%85.93%90.88%83.57%82.57%83.27%83.25%77.99%-558 bps
Non-Interest Burden1.61%1.61%1.61%1.62%1.63%1.65%1.65%1.64%+2 bps
Growth
Asset Growth (YoY)0.92%1.46%-0.69%0.34%0.24%-0.44%1.06%-0.09%-43 bps
Loan Growth (YoY)-3.63%-6.12%-5.01%-5.33%0.47%1.42%0.45%1.81%+714 bps
Deposit Growth (YoY)0.61%1.51%-1.65%-0.53%-0.92%-1.63%0.81%-0.48%+4 bps
Asset Quality
Nonperforming Loans / Loans1.13%1.54%1.17%1.38%1.42%1.55%1.37%1.37%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.59%0.60%0.61%0.61%0.59%0.59%0.61%0.60%-1 bps
Allowance Coverage of NPLs0.5x0.4x0.5x0.4x0.4x0.4x0.4x0.4x0.0x
Capital
Tier 1 Leverage Ratio26.41%26.48%26.40%26.87%27.04%26.99%26.68%26.92%+5 bps
Total Risk-Based Capital26.41%26.48%26.40%26.87%27.04%26.99%26.68%26.92%+5 bps
Equity / Assets26.47%26.24%26.57%26.78%27.07%26.91%26.63%27.03%+25 bps
Liquidity & Funding
Loans / Deposits58.25%55.96%56.24%56.29%59.07%57.70%56.04%57.59%+130 bps
Liquid Assets / Assets55.11%56.51%56.67%56.63%53.12%54.12%55.53%54.66%-196 bps
CRE / Total Capitaln/an/an/an/a3.85%3.48%3.13%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Westmoreland Federal Savings and Loan Association of Latrobe

Latrobe, PA · Cert 30551 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 1 branch

Q2 2026

$166.5MAssets
$69.6MLoans
$120.9MDeposits
$45.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets operating in a single state (rank 722 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.02%

Rank 720 of 746

Net Interest Margin

2.11%

Rank 722 of 746

Efficiency Ratio

77.99%

Rank 590 of 746

Equity / Assets

27.03%

Rank 19 of 746

Non-interest income vs. expense

$0.0M$2.8MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 21% of banks under $1B in assets operating in a single state
Bank 77.99%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.02%0.72%1.06%1.45%Beats 3%720 / 746
Return on Equity0.08%6.74%10.51%13.63%Beats 3%720 / 746
Net Interest Margin2.11%3.17%3.68%4.16%Beats 3%722 / 746
Efficiency Ratio77.99%55.74%64.58%75.47%Beats 21%590 / 746
Asset Quality
Nonperforming Loans / Loans1.37%0.09%0.42%1.07%Beats 19%606 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio26.92%11.55%13.75%17.60%Beats 93%53 / 746
Total Risk-Based Capital Ratio26.92%11.71%14.33%18.43%Beats 92%56 / 746
Equity / Assets27.03%8.90%10.51%13.06%Beats 97%19 / 746
Liquidity & Funding
Loans / Deposits57.59%61.31%78.27%90.78%20th pctl597 / 746
Loans / Assets41.81%53.60%66.97%76.08%11th pctl661 / 746
Brokered Deposits / Depositsn/aNot reported for this institution