Rochester, PA · Cert 34711
SI · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
59
Profitability
12
Liquidity
41
Efficiency
33
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.
Rochester, PA · Cert 34711
SI · FDIC · 1 branch
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.0% share · #37 of 48 inst. · $0.1B of $209.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.19% | 0.31% | 0.17% | 0.26% | 0.32% | 0.58% | 0.51% | +34 bps | |
| Return on Equity | 0.96% | 0.91% | 1.46% | 0.83% | 1.25% | 1.53% | 2.85% | 2.50% | +167 bps | |
| Net Interest Margin | 1.09% | 1.13% | 1.40% | 1.39% | 1.42% | 1.38% | 1.68% | 1.71% | +32 bps | |
| Efficiency Ratio | 103.58% | 101.17% | 85.68% | 83.44% | 84.27% | 85.14% | 74.73% | 74.52% | -892 bps | |
| Non-Interest Burden | 1.13% | 1.14% | 1.18% | 1.14% | 1.17% | 1.15% | 1.21% | 1.24% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.24% | 2.96% | 2.84% | 3.86% | 3.42% | 3.49% | 4.48% | 3.41% | -45 bps | |
| Loan Growth (YoY) | 9.50% | 5.73% | 6.91% | 8.48% | 6.86% | 6.93% | 9.94% | 5.04% | -344 bps | |
| Deposit Growth (YoY) | -0.71% | 3.60% | 3.22% | 4.62% | 4.12% | 4.07% | 5.25% | 3.71% | -91 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.69% | 2.65% | 2.55% | 2.34% | 2.20% | 1.82% | 1.82% | 1.57% | -77 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.75% | 0.78% | 0.78% | 0.87% | 0.77% | 0.87% | 0.78% | 0.79% | -8 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.4x | 0.3x | 0.5x | 0.4x | 0.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.40% | 21.17% | 20.93% | 20.73% | 20.84% | 20.75% | 20.56% | 20.46% | -27 bps | |
| Total Risk-Based Capital | 50.44% | 48.37% | 50.02% | 47.36% | 47.52% | 47.88% | 48.71% | 47.81% | +45 bps | |
| Equity / Assets | 21.37% | 20.99% | 20.96% | 20.59% | 20.89% | 20.60% | 20.44% | 20.39% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.10% | 60.39% | 60.27% | 61.13% | 62.71% | 62.05% | 62.96% | 61.91% | +78 bps | |
| Liquid Assets / Assets | 43.49% | 43.07% | 43.93% | 42.79% | 41.86% | 42.03% | 41.55% | 41.50% | -129 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 13.65% | 7.17% | 7.18% | n/a | n/a | |
Rochester, PA · Cert 34711 · Peer group: banks under $1B in assets (n=581-629)
SI · FDIC · 1 branch
Q2 2026
Return on Assets
0.51%
Rank 505 of 629
Net Interest Margin
1.71%
Rank 611 of 629
Efficiency Ratio
74.52%
Rank 420 of 629
Equity / Assets
20.39%
Rank 79 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.60% | 1.01% | 1.45% | Beats 20% | 505 / 629 | ||
| Return on Equity | 2.48% | 5.38% | 9.30% | 13.28% | Beats 14% | 544 / 629 | ||
| Net Interest Margin | 1.71% | 3.03% | 3.54% | 4.05% | Beats 3% | 611 / 629 | ||
| Efficiency Ratio | 74.52% | 58.35% | 67.79% | 79.08% | Beats 33% | 420 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.57% | 0.09% | 0.46% | 1.20% | Beats 18% | 479 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 46.82% | 11.24% | 13.84% | 18.77% | Beats 90% | 61 / 629 | ||
| Total Risk-Based Capital Ratio | 47.81% | 11.58% | 14.43% | 19.66% | Beats 90% | 61 / 629 | ||
| Equity / Assets | 20.39% | 9.09% | 10.65% | 13.80% | Beats 87% | 79 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.91% | 67.24% | 80.90% | 93.48% | 20th pctl | 476 / 594 | ||
| Loans / Assets | 48.55% | 53.31% | 67.71% | 78.15% | 20th pctl | 505 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||