Johnstown, PA · Cert 31994
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Johnstown, PA · 2026 SOD (annual) · 3.0% share · #8 of 13 inst. · $0.1B of $4.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.10% | -0.10% | -0.11% | 0.02%1 | -0.62% | 0.10% | 0.45% | +56 bps | |
| Return on Equity | -2.53% | -1.57% | -1.64% | -1.72% | 0.28% | -9.39% | 1.57% | 6.78% | +850 bps | |
| Net Interest Margin | 1.58% | 1.62% | 1.78% | 1.87% | 1.98% | 2.01% | 2.13% | 2.31% | +44 bps | |
| Efficiency Ratio | 113.18% | 112.12% | 107.34% | 104.22% | 98.01% | 119.09% | 91.10% | 84.47% | -1,975 bps | |
| Non-Interest Burden | 1.83% | 1.87% | 1.94% | 1.96% | 1.94% | 2.46% | 1.91% | 1.89% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.69% | 1.80% | 3.57% | 1.65% | 1.68% | 3.50% | 2.31% | 1.95% | +30 bps | |
| Loan Growth (YoY) | 1.37% | 1.83% | 3.11% | 4.15% | 5.01% | 6.80% | 6.56% | 6.98% | +283 bps | |
| Deposit Growth (YoY) | 3.68% | 3.18% | 3.37% | 2.61% | 2.83% | 4.77% | 5.27% | 3.52% | +91 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.51% | 0.67% | 0.58% | 0.51% | 0.95% | 1.06% | 0.71% | 0.63% | +12 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.02% | 0.00% | 0.01% | 0.13% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.14% | 0.18% | 0.16% | 0.18% | 0.20% | 0.22% | 0.24% | 0.17% | 0 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.2x | 0.2x | 0.3x | 0.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.34% | 10.40% | 10.36% | 10.15% | 10.09% | 9.84% | 9.89% | 9.88% | -26 bps | |
| Total Risk-Based Capital | 10.34% | 10.40% | 10.36% | 10.15% | 10.09% | 9.84% | 9.89% | 9.88% | -26 bps | |
| Equity / Assets | 6.66% | 6.16% | 6.41% | 6.18% | 6.54% | 6.73% | 6.55% | 6.69% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.08% | 70.58% | 69.88% | 69.85% | 70.55% | 71.94% | 70.73% | 72.19% | +233 bps | |
| Liquid Assets / Assets | 7.66% | 6.42% | 8.28% | 8.18% | 7.19% | 5.28% | 6.48% | 5.48% | -270 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 21.33% | 26.02% | 20.87% | n/a | n/a | |