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Slovenian Savings & Loan Association of Franklin-Conemaugh

Johnstown, PA · Cert 31994

State savings bank · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

6

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Slovenian Savings & Loan Association of Franklin-Conemaugh

Johnstown, PA · Cert 31994

State savings bank · OCC · 5 branches

Q2 2026

$180.8MAssets
$121.1MLoans
$167.7MDeposits
$12.1MEquity
Loan mix
97%RE $114.0M0%C&I $0.0M3%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $164.0M2%Noninterest $3.8MQ2 2025Q2 2026

NIM

3.47%Q2 ’243.69%Q2 ’253.91%Q2 ’26+11%+22%

Non-interest income vs. expense

2.24%Q2 ’242.31%Q2 ’252.28%Q2 ’26+3%-2%

Market Position · Johnstown, PA · 2026 SOD (annual) · 3.0% share · #8 of 13 inst. · $0.1B of $4.1B

3.0% Cambria
2.7% Somerset

Executive Summary

  • Earnings: ROA of 0.28%, up 38 bps year over year; NIM at 2.21%.
  • Asset quality: problem loans at 0.63% of loans (+12 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.88%, down 26 bps from a year ago.
  • Funding: loans stand at 72.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%+38 bps YoY

Net Interest Margin (YTD, annualized)

2.21%+40 bps YoY

Efficiency Ratio (YTD, annualized)

87.65%-1,808 bps YoY

Tier 1 Leverage Ratio

9.88%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.11%-0.06%-0.21%0.10%0.28%+38 bps
Return on Equity-1.69%-1.01%-3.21%1.57%4.17%+586 bps
Net Interest Margin1.81%1.86%1.88%2.13%2.21%+40 bps
Efficiency Ratio105.73%103.01%107.26%91.10%87.65%-1,808 bps
Non-Interest Burden1.93%1.93%2.05%1.91%1.89%-4 bps
Growth
Asset Growth (YoY)1.65%1.68%3.50%2.31%1.95%+30 bps
Loan Growth (YoY)4.15%5.01%6.80%6.56%6.98%+283 bps
Deposit Growth (YoY)2.61%2.83%4.77%5.27%3.52%+91 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.95%1.06%0.71%0.63%+12 bps
Net Charge-Offs / Loans0.01%0.01%0.04%0.01%0.01%0 bps
Allowance / Loans0.18%0.20%0.22%0.24%0.17%0 bps
Allowance Coverage of NPLs0.3x0.2x0.2x0.3x0.3x-0.1x
Capital
Tier 1 Leverage Ratio10.15%10.09%9.84%9.89%9.88%-26 bps
Total Risk-Based Capital10.15%10.09%9.84%9.89%9.88%-26 bps
Equity / Assets6.18%6.54%6.73%6.55%6.69%+51 bps
Liquidity & Funding
Loans / Deposits69.85%70.55%71.94%70.73%72.19%+233 bps
Liquid Assets / Assets8.18%7.19%5.28%6.48%5.48%-270 bps
CRE / Total Capitaln/a21.33%26.02%20.87%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Slovenian Savings & Loan Association of Franklin-Conemaugh

Johnstown, PA · Cert 31994 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 5 branches

Q2 2026

$180.8MAssets
$121.1MLoans
$167.7MDeposits
$12.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 58% of banks under $1B in assets operating in a single state (rank 316 of 743).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets operating in a single state (rank 717 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.28%

Rank 677 of 746

Net Interest Margin

2.21%

Rank 717 of 746

Efficiency Ratio

87.65%

Rank 674 of 746

Equity / Assets

6.69%

Rank 711 of 746

Non-interest income vs. expense

$0.7M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 10% of banks under $1B in assets operating in a single state
Bank 87.65%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.28%0.72%1.06%1.45%Beats 9%677 / 746
Return on Equity4.13%6.74%10.51%13.63%Beats 15%636 / 746
Net Interest Margin2.21%3.17%3.68%4.16%Beats 4%717 / 746
Efficiency Ratio87.65%55.74%64.58%75.47%Beats 10%674 / 746
Asset Quality
Nonperforming Loans / Loans0.63%0.09%0.42%1.07%Beats 41%438 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 58%316 / 743
Capital
Tier 1 Capital Ratio9.88%11.55%13.75%17.60%Beats 6%700 / 746
Total Risk-Based Capital Ratio9.88%11.71%14.33%18.43%Beats 6%702 / 746
Equity / Assets6.69%8.90%10.51%13.06%Beats 5%711 / 746
Liquidity & Funding
Loans / Deposits72.19%61.31%78.27%90.78%39th pctl457 / 746
Loans / Assets66.95%53.60%66.97%76.08%50th pctl374 / 746
Brokered Deposits / Depositsn/aNot reported for this institution