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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 $0.0MQ3 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 0.38%, down 44 bps year over year; NIM at 2.23%.
  • 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 (quarter, annualized)

0.38%-44 bps YoY

Net Interest Margin (quarter, annualized)

2.23%+14 bps YoY

Efficiency Ratio (quarter, annualized)

73.29%-403 bps YoY

Tier 1 Leverage Ratio

26.92%+5 bps YoY

NIM

3.76%Q2 ’243.85%Q2 ’253.84%Q2 ’26+7%+7%

Non-interest income vs. expense

1.65%Q2 ’241.62%Q2 ’251.64%Q2 ’26-2%+1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.08%0.45%10.46%10.82%10.86%1-0.03%-0.33%0.38%-44 bps
Return on Equity0.32%1.70%1.76%3.07%3.20%-0.11%-1.24%1.41%-166 bps
Net Interest Margin1.73%1.73%1.77%2.09%2.06%2.00%1.98%2.23%+14 bps
Efficiency Ratio92.66%92.13%90.88%77.32%80.70%85.34%83.25%73.29%-403 bps
Non-Interest Burden1.60%1.59%1.61%1.61%1.66%1.71%1.65%1.63%+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