Allison Park, PA · Cert 34786 · Enterprise Employee STK Ownership Plan
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.2% share · #23 of 48 inst. · $0.4B of $209.3B
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 | 1.27% | 1.80% | 0.51% | 1.26% | 1.32% | 0.64% | 0.88% | 0.68% | -58 bps | |
| Return on Equity | 15.08% | 21.65% | 6.29% | 15.57% | 16.39% | 7.83% | 10.74% | 8.46% | -712 bps | |
| Net Interest Margin | 3.10% | 3.60% | 2.93% | 2.95% | 4.10% | 2.95% | 3.02% | 2.79% | -16 bps | |
| Efficiency Ratio | 75.38% | 58.63% | 79.35% | 65.31% | 63.51% | 79.43% | 72.83% | 75.24% | +993 bps | |
| Non-Interest Burden | 1.96% | 1.28% | 2.22% | 1.34% | 2.33% | 2.19% | 1.83% | 1.89% | +55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.93% | 10.54% | 11.84% | 14.46% | 12.94% | 5.30% | 8.29% | 8.95% | -551 bps | |
| Loan Growth (YoY) | 4.15% | 0.24% | -0.53% | 3.74% | 2.53% | 3.16% | 9.46% | 5.70% | +196 bps | |
| Deposit Growth (YoY) | 12.62% | 12.49% | 13.36% | 16.75% | 17.06% | 8.32% | 8.33% | 9.18% | -758 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.63% | 2.92% | 2.68% | 2.47% | 4.48% | 5.41% | 6.33% | 6.18% | +371 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.16% | 0.14% | 0.00% | -0.04% | 0.00% | -17 bps | |
| Allowance / Loans | 0.36% | 0.36% | 0.38% | 0.32% | 0.32% | 0.31% | 0.31% | 0.32% | 0 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.0x | 0.1x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.50% | 8.62% | 7.91% | 8.37% | 8.10% | 8.04% | 8.30% | 8.15% | -21 bps | |
| Total Risk-Based Capital | 11.99% | 12.29% | 11.62% | 11.68% | 11.66% | 11.84% | 11.43% | 11.67% | 0 bps | |
| Equity / Assets | 8.31% | 8.34% | 8.03% | 8.13% | 7.97% | 8.27% | 8.14% | 8.01% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.93% | 91.05% | 89.53% | 89.31% | 84.90% | 86.72% | 90.46% | 86.46% | -285 bps | |
| Liquid Assets / Assets | 20.42% | 22.09% | 21.64% | 21.63% | 22.99% | 23.07% | 22.18% | 25.34% | +372 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 688% | 674% | 709% | n/a | n/a | |