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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 $0.0MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $118.0M2%Noninterest $2.9MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%10.71%10.53%1-0.33%0.02%-62 bps
Return on Equity2.41%2.68%1.98%-1.24%0.08%-233 bps
Net Interest Margin1.94%1.98%1.98%1.98%2.11%+17 bps
Efficiency Ratio83.57%82.57%83.27%83.25%77.99%-558 bps
Non-Interest Burden1.62%1.63%1.65%1.65%1.64%+2 bps
Growth
Asset Growth (YoY)0.34%0.24%-0.44%1.06%-0.09%-43 bps
Loan Growth (YoY)-5.33%0.47%1.42%0.45%1.81%+714 bps
Deposit Growth (YoY)-0.53%-0.92%-1.63%0.81%-0.48%+4 bps
Asset Quality
Nonperforming Loans / Loans1.38%1.42%1.55%1.37%1.37%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.61%0.59%0.59%0.61%0.60%-1 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.4x0.4x0.0x
Capital
Tier 1 Leverage Ratio26.87%27.04%26.99%26.68%26.92%+5 bps
Total Risk-Based Capital26.87%27.04%26.99%26.68%26.92%+5 bps
Equity / Assets26.78%27.07%26.91%26.63%27.03%+25 bps
Liquidity & Funding
Loans / Deposits56.29%59.07%57.70%56.04%57.59%+130 bps
Liquid Assets / Assets56.63%53.12%54.12%55.53%54.66%-196 bps
CRE / Total Capitaln/a3.85%3.48%3.13%n/an/a