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
Unfavorable gap of $2.8M · efficiency ratio beats 21% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.02% | 0.72% | 1.06% | 1.45% | Beats 3% | 720 / 746 | |
| Return on Equity | 0.08% | 6.74% | 10.51% | 13.63% | Beats 3% | 720 / 746 | |
| Net Interest Margin | 2.11% | 3.17% | 3.68% | 4.16% | Beats 3% | 722 / 746 | |
| Efficiency Ratio | 77.99% | 55.74% | 64.58% | 75.47% | Beats 21% | 590 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.37% | 0.09% | 0.42% | 1.07% | Beats 19% | 606 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 26.92% | 11.55% | 13.75% | 17.60% | Beats 93% | 53 / 746 | |
| Total Risk-Based Capital Ratio | 26.92% | 11.71% | 14.33% | 18.43% | Beats 92% | 56 / 746 | |
| Equity / Assets | 27.03% | 8.90% | 10.51% | 13.06% | Beats 97% | 19 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 57.59% | 61.31% | 78.27% | 90.78% | 20th pctl | 597 / 746 | |
| Loans / Assets | 41.81% | 53.60% | 66.97% | 76.08% | 11th pctl | 661 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |