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West View Savings Bank

$100M-$1B Specialty: Mortgage PA FDIC cert 27760

Pittsburgh, PA

5 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
  • Deposits -24.0% year over year ($122.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.66%.
  • Efficiency ratio 54.65% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.38% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

West View Savings Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 40.1% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 9.83% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 20.6% in tier
  • - Net Interest Margin 1.97% below tier average
  • - Non-Interest Income / Assets 0.52% below tier average
  • - ROA 0.66% below tier average
Get updates when West View Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $365.1M
+3.2% YoY -0.0% QoQ
-$21.4M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
57%
Total Loans ? $88.5M
+3.1% YoY -3.8% QoQ
-$169.8M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
Bottom 14.2% in tier
Total Deposits ? $122.3M
-24.0% YoY -6.5% QoQ
-$204.4M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
Bottom 12.8% in tier
Return on Assets ? 0.66%
+48.6% YoY +0.5% QoQ
-0.66% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 2.02%
+14.5% YoY -0.3% QoQ
-1.97% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 0.9% in tier
Efficiency Ratio ? 54.65%
-14.3% YoY -0.1% QoQ
-9.83% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
73%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 72.38%
+35.7% YoY +2.9% QoQ
-5.58% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
65%
Non-Interest-Bearing Deposit Share ? 18.86%
+30.3% YoY +11.2% QoQ
-3.17% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 9.36%
-65.6% YoY -59.2% QoQ
-6.55% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 3.5% in tier
Non-Interest Income / Assets ? 0.05%
-5.9% YoY +103.7% QoQ
-0.52% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
Bottom 5.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 18.9%
+4.4pp YoY
+1.9pp QoQ
 -3.3pp 22.1% 18.7% 22.2% 39%
Brokered Deposits 1.4%
-22.4pp YoY
-6.5pp QoQ
 -6.5pp 7.9% 6.8% 8.5% 23%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 0.1%
-0.1pp YoY
0.0pp QoQ
 -11.4pp 11.6% 8.6% 12.5% 1%
CRE 10.7%
-6.2pp YoY
-1.4pp QoQ
 -28.8pp 39.5% 37.9% 41.4% 6%
1-4 Family 89.8%
+6.3pp YoY
+1.5pp QoQ
 +57.2pp 32.6% 47.8% 31.3% 98%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 3.8% 5.0% 1%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.3% 19.7% n/a
Leverage Ratio 9.4%
-0.8pp YoY
-0.1pp QoQ
 -2.8pp 12.2% 13.2% 12.6% 18%
Total Capital Ratio n/a n/a 19.9% 23.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 23
-1 (-4.2%) YoY
0 QoQ
 -36 58 299 482 15%
Assets per Employee ($) $15.9M
+7.7% YoY
0.0% QoQ
 +$8.4M $7.5M $9.2M $8.8M 98%
Branch Count 5
0 YoY
0 QoQ
 0 4 20 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.9% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 3.63x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 7.1%
+2.4pp YoY
0.0pp QoQ
 -5.1pp 12.2% 10.2% 11.6% 21%
Cost of Funds (YTD) 2.6%
0.0pp YoY
0.0pp QoQ
 +0.8pp 1.7% 1.8% 1.7% 91%
Net Income ($, YTD) $1.2M
+53.5% YoY
— QoQ
 -$1.3M $2.6M $18.2M $40.4M 33%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#265 of 659 • Top 40.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk
#137 of 661 • Bottom 20.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.36%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (6 metrics)

2619
Net Interest Margin
profitability
Value: 2.02%
Peer Median: 3.99%
#2619 of 2643 Bottom 0.9% in $100M-$1B
2551
Tier 1 Capital Ratio
capital
Value: 9.36%
Peer Median: 15.91%
#2551 of 2643 Bottom 3.5% in $100M-$1B
2512
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2512 of 2643 Bottom 5.0% in $100M-$1B
2305
Total Deposits
size
Value: $122.30M
Peer Median: $326.73M
#2305 of 2643 Bottom 12.8% in $100M-$1B
2269
Total Loans
size
Value: $88.52M
Peer Median: $258.35M
#2269 of 2643 Bottom 14.2% in $100M-$1B
2185
Return on Assets
profitability
Value: 0.66%
Peer Median: 1.32%
#2185 of 2643 Bottom 17.4% in $100M-$1B
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