PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Security National Trust Co.

Wheeling, WV · Cert 57081

FDIC

Q2 2026

$8.8MAssets
$0KLoans
$0KDeposits
$7.4MEquity

NIM

3.05%Q2 ’242.85%Q2 ’252.62%Q2 ’26-7%-3%

Non-interest income vs. expense

89.17%Q2 ’2478.02%Q2 ’2575.67%Q2 ’26+5%-41%

Executive Summary

  • Earnings: ROA of 31.76%, up 849 bps year over year; NIM at 2.76%.
  • Capital: tier 1 leverage ratio of 87.19%, up 105 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

31.76%+849 bps YoY

Net Interest Margin (YTD, annualized)

2.76%-9 bps YoY

Efficiency Ratio (YTD, annualized)

66.51%-710 bps YoY

Tier 1 Leverage Ratio

87.19%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets23.27%24.17%25.90%31.97%31.76%+849 bps
Return on Equity27.77%28.81%31.08%39.02%38.42%+1,065 bps
Net Interest Margin2.85%2.85%3.00%2.86%2.76%-9 bps
Efficiency Ratio73.62%72.46%71.53%67.41%66.51%-710 bps
Non-Interest Burden-25.12%-24.99%-26.30%-37.16%-35.48%-1,036 bps
Growth
Asset Growth (YoY)3.82%1.66%6.84%5.01%7.84%+402 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio86.14%85.34%64.19%84.52%87.19%+105 bps
Total Risk-Based Capital86.14%85.34%64.19%84.52%87.19%+105 bps
Equity / Assets84.09%84.12%80.96%82.81%83.95%-14 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets8.56%13.56%0.25%7.80%4.92%-364 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a