Kittanning, PA · Cert 7900 · Nextier Inc.
National charter · OCC · 32 branches
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 1.1% share · #11 of 48 inst. · $2.4B 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 | 0.92% | 1.01% | 1.22% | 1.32% | 1.38% | 1.41% | 1.27% | 1.38% | +7 bps | |
| Return on Equity | 10.00% | 10.96% | 12.81% | 13.54% | 14.02% | 14.22% | 12.31% | 13.27% | -28 bps | |
| Net Interest Margin | 2.92% | 2.84% | 3.21% | 3.34% | 3.31% | 3.24% | 3.37% | 3.45% | +12 bps | |
| Efficiency Ratio | 56.82% | 54.43% | 51.29% | 49.78% | 48.13% | 48.32% | 50.55% | 49.24% | -54 bps | |
| Non-Interest Burden | 1.52% | 1.42% | 1.58% | 1.58% | 1.46% | 1.44% | 1.61% | 1.58% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.43% | 28.22% | 4.77% | 4.48% | 4.64% | 1.69% | 0.36% | 3.79% | -69 bps | |
| Loan Growth (YoY) | 20.10% | 17.48% | 1.94% | 2.99% | 3.95% | 3.89% | 3.68% | 2.08% | -90 bps | |
| Deposit Growth (YoY) | 30.67% | 36.85% | 9.49% | 8.77% | 4.38% | 0.94% | 0.31% | 4.31% | -447 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.06% | 0.94% | 0.99% | 1.07% | 1.34% | 1.25% | 1.55% | 1.49% | +41 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | -0.02% | -0.01% | 0.00% | 0.05% | -0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 1.05% | 1.10% | 1.13% | 1.09% | 1.10% | 1.03% | 1.06% | 1.07% | -2 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.2x | 1.2x | 1.0x | 0.8x | 0.8x | 0.7x | 0.7x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.59% | 8.33% | 8.61% | 9.05% | 9.20% | 8.77% | 9.29% | 9.64% | +58 bps | |
| Total Risk-Based Capital | 12.21% | 12.63% | 12.94% | 12.44% | 12.69% | 12.45% | 12.90% | 13.27% | +82 bps | |
| Equity / Assets | 9.54% | 9.28% | 9.78% | 10.14% | 10.16% | 10.07% | 10.56% | 10.65% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.57% | 83.56% | 85.67% | 88.67% | 86.21% | 86.00% | 88.54% | 86.78% | -189 bps | |
| Liquid Assets / Assets | 5.55% | 8.55% | 6.84% | 3.77% | 6.49% | 5.44% | 3.11% | 5.14% | +136 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 417% | 419% | 412% | n/a | n/a | |