PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Security National Trust Co.

Wheeling, WV · Cert 57081

FDIC

Q2 2026

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

Executive Summary

  • Earnings: ROA of 31.69%, up 836 bps year over year; NIM at 2.93%.
  • Capital: tier 1 leverage ratio of 87.19%, up 105 bps from a year ago.

Return on Assets (quarter, annualized)

31.69%+836 bps YoY

Net Interest Margin (quarter, annualized)

2.93%-4 bps YoY

Efficiency Ratio (quarter, annualized)

65.65%-734 bps YoY

Tier 1 Leverage Ratio

87.19%+105 bps YoY

NIM

3.23%Q2 ’242.97%Q2 ’252.78%Q2 ’26-8%-1%

Non-interest income vs. expense

90.48%Q2 ’2479.51%Q2 ’2576.19%Q2 ’26-1%-40%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets26.65%26.21%23.13%23.33%25.88%28.18%31.97%31.69%+836 bps
Return on Equity31.44%30.98%27.65%27.95%30.77%34.07%39.02%37.99%+1,005 bps
Net Interest Margin4.19%4.68%4.24%2.97%3.09%3.44%2.86%2.93%-4 bps
Efficiency Ratio69.49%69.52%74.28%72.99%70.43%68.89%67.41%65.65%-734 bps
Non-Interest Burden-40.19%-36.36%-37.09%-26.45%-29.45%-30.00%-37.16%-37.08%-1,063 bps
Growth
Asset Growth (YoY)11.22%-1.83%3.26%3.82%1.66%6.84%5.01%7.84%+402 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio117.08%90.58%122.91%86.14%85.34%64.19%84.52%87.19%+105 bps
Total Risk-Based Capital117.08%90.58%122.91%86.14%85.34%64.19%84.52%87.19%+105 bps
Equity / Assets84.58%84.57%82.82%84.09%84.12%80.96%82.81%83.95%-14 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets9.56%5.89%7.99%8.56%13.56%0.25%7.80%4.92%-364 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a