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 | |