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
Unfavorable gap of $3.4M · efficiency ratio beats 10% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 0.72% | 1.06% | 1.45% | Beats 9% | 677 / 746 | |
| Return on Equity | 4.13% | 6.74% | 10.51% | 13.63% | Beats 15% | 636 / 746 | |
| Net Interest Margin | 2.21% | 3.17% | 3.68% | 4.16% | Beats 4% | 717 / 746 | |
| Efficiency Ratio | 87.65% | 55.74% | 64.58% | 75.47% | Beats 10% | 674 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.09% | 0.42% | 1.07% | Beats 41% | 438 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 58% | 316 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.88% | 11.55% | 13.75% | 17.60% | Beats 6% | 700 / 746 | |
| Total Risk-Based Capital Ratio | 9.88% | 11.71% | 14.33% | 18.43% | Beats 6% | 702 / 746 | |
| Equity / Assets | 6.69% | 8.90% | 10.51% | 13.06% | Beats 5% | 711 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 72.19% | 61.31% | 78.27% | 90.78% | 39th pctl | 457 / 746 | |
| Loans / Assets | 66.95% | 53.60% | 66.97% | 76.08% | 50th pctl | 374 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |