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Dollar Bank, Federal Savings Bank

Pittsburgh, PA · Cert 32245 · Dollar Mutual Bcorp

State savings bank · OCC · 91 branches

Q2 2026

$12.7BAssets
$9.9BLoans
$10.0BDeposits
$1.3BEquity
Loan mix
84%RE $8.2B13%C&I $1.2B3%Consumer $0.3BQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $8.5B15%Noninterest $1.5BQ3 2024Q2 2026

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 3.4% share · #6 of 48 inst. · $7.0B of $209.3B

3.4% Allegheny
1.8% Cuyahoga
5.9% Westmoreland
4.1% Lake

Executive Summary

  • Earnings: ROA of 0.61%, up 13 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.72% of loans (+3 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 11.05%, down 1 bps from a year ago.
  • Funding: loans stand at 98.95% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.61%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+15 bps YoY

Efficiency Ratio (YTD, annualized)

72.71%-431 bps YoY

Tier 1 Leverage Ratio

11.05%-1 bps YoY

NIM

4.56%Q2 ’244.69%Q2 ’254.78%Q2 ’26+10%+5%

Non-interest income vs. expense

2.37%Q2 ’242.50%Q2 ’252.46%Q2 ’26+7%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.42%0.48%0.48%0.51%0.53%0.60%0.61%+13 bps
Return on Equity4.02%4.35%4.76%4.78%5.04%5.19%5.84%5.92%+114 bps
Net Interest Margin2.62%2.66%2.85%2.88%2.91%2.89%3.00%3.03%+15 bps
Efficiency Ratio79.08%78.49%78.57%77.02%74.93%75.71%73.48%72.71%-431 bps
Non-Interest Burden1.99%2.00%2.17%2.14%2.09%2.10%2.11%2.10%-3 bps
Growth
Asset Growth (YoY)1.13%1.16%1.60%3.84%4.85%7.50%6.28%6.30%+246 bps
Loan Growth (YoY)2.64%3.23%3.80%3.64%5.12%5.54%5.48%5.83%+220 bps
Deposit Growth (YoY)5.59%2.94%2.37%3.18%4.15%4.12%3.44%2.13%-105 bps
Asset Quality
Nonperforming Loans / Loans0.75%0.72%0.66%0.69%1.04%1.14%1.08%0.72%+3 bps
Net Charge-Offs / Loans0.14%0.14%0.10%0.10%0.11%0.11%0.08%0.08%-1 bps
Allowance / Loans0.87%0.86%0.86%0.89%0.91%0.94%0.96%0.97%+8 bps
Allowance Coverage of NPLs1.2x1.2x1.3x1.3x0.9x0.8x0.9x1.3x+0.1x
Capital
Tier 1 Leverage Ratio10.87%10.98%11.07%11.06%11.03%10.96%10.98%11.05%-1 bps
Total Risk-Based Capital17.20%16.91%16.90%16.54%16.50%16.24%16.51%16.45%-9 bps
Equity / Assets10.01%9.88%10.12%10.19%10.22%10.23%10.38%10.32%+13 bps
Liquidity & Funding
Loans / Deposits94.02%94.41%93.55%95.49%94.89%95.70%95.40%98.95%+346 bps
Liquid Assets / Assets2.07%1.05%1.56%0.20%0.63%0.61%0.25%0.14%-6 bps
CRE / Total Capitaln/an/an/an/a192.74%197.14%194.48%n/an/a