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Greenville Savings Bank

Greenville, PA · Cert 30637

SI · FDIC · 3 branches

Q2 2026

$342.7MAssets
$276.4MLoans
$256.4MDeposits
$44.1MEquity
Loan mix
96%RE $263.0M2%C&I $6.0M1%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $233.1M9%Noninterest $23.3MQ2 2025Q2 2026

NIM

4.18%Q2 ’244.43%Q2 ’254.75%Q2 ’26+13%+25%

Non-interest income vs. expense

1.92%Q2 ’241.93%Q2 ’252.04%Q2 ’26+4%-3%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.0% share · #44 of 48 inst. · $0.0B of $209.3B

7.8% Mercer
1.6% Lawrence

Executive Summary

  • Earnings: ROA of 0.86%, up 51 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.17% of loans (-15 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.84%, up 23 bps from a year ago.
  • Funding: loans stand at 107.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.86%+51 bps YoY

Net Interest Margin (quarter, annualized)

2.80%+57 bps YoY

Efficiency Ratio (quarter, annualized)

65.91%-1,592 bps YoY

Tier 1 Leverage Ratio

12.84%+23 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.45%0.59%0.58%0.86%+51 bps
Return on Equity2.82%3.56%4.70%4.63%6.72%+390 bps
Net Interest Margin2.23%2.39%2.49%2.64%2.80%+57 bps
Efficiency Ratio81.83%76.59%71.33%71.15%65.91%-1,592 bps
Non-Interest Burden1.80%1.79%1.73%1.82%1.75%-6 bps
Growth
Asset Growth (YoY)1.15%3.10%4.34%2.50%2.72%+157 bps
Loan Growth (YoY)2.91%6.11%5.81%5.95%5.69%+278 bps
Deposit Growth (YoY)6.65%2.11%2.85%1.49%-0.79%-744 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.12%0.17%0.23%0.17%-15 bps
Net Charge-Offs / Loans0.00%-0.03%0.20%0.03%0.01%0 bps
Allowance / Loans0.65%0.65%0.62%0.63%0.61%-3 bps
Allowance Coverage of NPLs2.0x5.6x3.7x2.7x3.5x+1.5x
Capital
Tier 1 Leverage Ratio12.60%12.62%12.47%12.62%12.84%+23 bps
Total Risk-Based Capital12.60%12.62%12.47%12.62%12.84%+23 bps
Equity / Assets12.59%12.45%12.44%12.68%12.87%+28 bps
Liquidity & Funding
Loans / Deposits101.19%105.73%106.73%105.10%107.80%+661 bps
Liquid Assets / Assets16.46%16.00%16.10%15.62%14.80%-166 bps
CRE / Total Capitaln/a75.27%69.01%66.88%n/an/a