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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

3.60%Q2 ’243.75%Q2 ’254.01%Q2 ’26+15%+24%

Non-interest income vs. expense

2.18%Q2 ’242.34%Q2 ’252.29%Q2 ’26+8%-4%

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 0.45%, up 56 bps year over year; NIM at 2.31%.
  • 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 (quarter, annualized)

0.45%+56 bps YoY

Net Interest Margin (quarter, annualized)

2.31%+44 bps YoY

Efficiency Ratio (quarter, annualized)

84.47%-1,975 bps YoY

Tier 1 Leverage Ratio

9.88%-26 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.11%0.02%1-0.62%0.10%0.45%+56 bps
Return on Equity-1.72%0.28%-9.39%1.57%6.78%+850 bps
Net Interest Margin1.87%1.98%2.01%2.13%2.31%+44 bps
Efficiency Ratio104.22%98.01%119.09%91.10%84.47%-1,975 bps
Non-Interest Burden1.96%1.94%2.46%1.91%1.89%-7 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 / Loans0.00%0.01%0.13%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