Clarks Summit, PA · Cert 31184
State savings bank · OCC · 6 branches
Q2 2026
Market Position · Scranton--Wilkes-Barre, PA · 2026 SOD (annual) · 1.5% share · #14 of 21 inst. · $0.2B of $16.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.05% | -0.62% | 0.09% | 0.30% | 0.24% | 0.25% | 0.16% | 0.24% | -6 bps | |
| Return on Equity | -7.46% | -4.37% | 0.63% | 2.09% | 1.66% | 1.69% | 1.09% | 1.63% | -46 bps | |
| Net Interest Margin | 2.07% | 2.03% | 2.32% | 2.39% | 2.38% | 2.40% | 2.43% | 2.43% | +4 bps | |
| Efficiency Ratio | 99.62% | 101.43% | 95.70% | 86.38% | 89.31% | 88.93% | 91.17% | 88.44% | +206 bps | |
| Non-Interest Burden | 2.06% | 2.07% | 2.21% | 2.03% | 2.10% | 2.10% | 2.19% | 2.12% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.66% | -3.15% | 1.13% | -0.10% | -2.57% | -1.80% | 0.83% | 1.48% | +158 bps | |
| Loan Growth (YoY) | 1.46% | 0.51% | -0.14% | -1.59% | -1.99% | -1.70% | -1.20% | 1.82% | +341 bps | |
| Deposit Growth (YoY) | -1.00% | 3.57% | 0.72% | -0.87% | -3.63% | -2.73% | 0.48% | 1.41% | +228 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.17% | 0.22% | 0.45% | 0.28% | 0.23% | 0.26% | 0.27% | -18 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.37% | 0.36% | 0.35% | 0.34% | 0.34% | 0.34% | 0.35% | 0.34% | 0 bps | |
| Allowance Coverage of NPLs | 1.3x | 2.1x | 1.6x | 0.8x | 1.2x | 1.5x | 1.4x | 1.3x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.63% | 14.67% | 14.88% | 15.15% | 15.11% | 15.29% | 15.09% | 15.12% | -3 bps | |
| Total Risk-Based Capital | 29.98% | 30.08% | 30.38% | 30.65% | 30.92% | 30.98% | 30.70% | 30.21% | -44 bps | |
| Equity / Assets | 14.26% | 14.22% | 14.58% | 14.85% | 15.16% | 15.00% | 14.90% | 14.98% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.53% | 96.00% | 97.50% | 98.03% | 99.19% | 97.02% | 95.87% | 98.43% | +40 bps | |
| Liquid Assets / Assets | 1.56% | 2.94% | 1.67% | 2.08% | 1.28% | 2.19% | 3.43% | 1.44% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.83% | 0.53% | 0.53% | n/a | n/a | |