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Westmoreland Federal Savings and Loan Association

$100M-$1B Specialty: Mortgage PA FDIC cert 30551

Designations: ✓ Mutual

Latrobe, 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 -0.5% year over year ($120.9M on the books).
  • Delinquency rate 1.38%.
  • Return on assets 0.02%.
  • Efficiency ratio 77.99% vs a 64.48% peer average.
  • Loan-to-deposit ratio 57.24% 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) →

Westmoreland Federal Savings and Loan Association faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 37.1% in tier
  • - Return on Assets 1.30% below tier average
  • - Net Interest Margin 1.82% below tier average
  • - Non-Interest-Bearing Deposit Share 19.61% below tier average
  • - Non-Interest Income / Assets 0.56% below tier average
  • - Efficiency Ratio 13.51% above tier average
  • - Delinquency Rate 0.46% above tier average
Get updates when Westmoreland Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $166.5M
-0.1% YoY -1.1% QoQ
-$220.0M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $69.2M
+1.8% YoY +1.1% QoQ
-$189.1M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
Bottom 7.2% in tier
Total Deposits ? $120.9M
-0.5% YoY -1.7% QoQ
-$205.8M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
Bottom 12.2% in tier
Return on Assets ? 0.02%
-96.5% YoY +106.9% QoQ
-1.30% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Bottom 3.4% in tier
Net Interest Margin ? 2.17%
+11.2% YoY +6.2% QoQ
-1.82% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 1.2% in tier
Efficiency Ratio ? 77.99%
-6.7% YoY -6.3% QoQ
+13.51% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 1.38%
-0.6% YoY +0.1% QoQ
+0.46% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
20%
Loan-to-Deposit Ratio ? 57.24%
+2.3% YoY +2.8% QoQ
-20.71% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
Top 14.6% in tier
Non-Interest-Bearing Deposit Share ? 2.42%
+9.3% YoY +4.8% QoQ
-19.61% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
Bottom 1.9% in tier
Nonperforming Asset Ratio ? 0.57%
+1.3% YoY +2.3% QoQ
-0.10% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
36%
Tier 1 Capital Ratio ? 26.92%
+0.2% YoY +0.9% QoQ
+11.01% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Top 5.4% in tier
Non-Interest Income / Assets ? 0.00%
+0.1% YoY +136.0% QoQ
-0.56% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
Bottom 0.6% 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 2.4%
+0.2pp YoY
+0.1pp QoQ
 -19.7pp 22.1% 18.7% 22.2% 1%
Brokered Deposits n/a n/a 7.9% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I n/a n/a 11.6% 8.6% 12.5% n/a
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 98.9%
+1.0pp YoY
+0.3pp QoQ
 +66.2pp 32.6% 47.8% 31.3% 100%
Consumer n/a n/a 4.1% 3.8% 5.0% n/a

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 26.9%
+0.1pp YoY
+0.2pp QoQ
 +14.8pp 12.2% 13.2% 12.6% 98%
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 20
+1 (+5.3%) YoY
+1 (+5.3%) QoQ
 -39 58 299 482 11%
Assets per Employee ($) $8.3M
-5.1% YoY
-6.1% QoQ
 +$808K $7.5M $9.2M $8.8M 72%
Branch Count 1
0 YoY
0 QoQ
 -4 4 20 18 0%

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 1.4%
0.0pp YoY
0.0pp QoQ
 +0.4pp 0.9% 0.9% 1.0% 80%
Allowance Coverage 0.44x
-1.2% YoY
-1.2% QoQ
 -23.72x 24.15x 3.63x 20.23x 8%
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 0.1%
-2.3pp YoY
+1.3pp QoQ
 -12.1pp 12.2% 10.2% 11.6% 3%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 50%
Net Income ($, YTD) $19,000
-96.4% YoY
— QoQ
 -$2.5M $2.6M $18.2M $40.4M 3%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#276 of 742 • Bottom 37.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 26.92%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 57.24%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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)

144
Tier 1 Capital Ratio
capital
Value: 26.92%
Peer Median: 15.91%
#144 of 2643 Top 5.4% in $100M-$1B
386
Loan-to-Deposit Ratio
liquidity
Value: 57.24%
Peer Median: 77.95%
#386 of 2643 Top 14.6% in $100M-$1B

Top Weaknesses (9 metrics)

2629
Non-Interest Income / Assets
revenue_mix
Value: 0.00%
Peer Median: 0.57%
#2629 of 2643 Bottom 0.6% in $100M-$1B
2612
Net Interest Margin
profitability
Value: 2.17%
Peer Median: 3.99%
#2612 of 2643 Bottom 1.2% in $100M-$1B
2594
Non-Interest-Bearing Deposit Share
funding
Value: 2.42%
Peer Median: 22.03%
#2594 of 2643 Bottom 1.9% in $100M-$1B
2554
Return on Assets
profitability
Value: 0.02%
Peer Median: 1.32%
#2554 of 2643 Bottom 3.4% in $100M-$1B
2455
Total Loans
size
Value: $69.22M
Peer Median: $258.35M
#2455 of 2643 Bottom 7.2% in $100M-$1B
2321
Total Deposits
size
Value: $120.92M
Peer Median: $326.73M
#2321 of 2643 Bottom 12.2% in $100M-$1B
2218
Efficiency Ratio
profitability
Value: 77.99%
Peer Median: 64.48%
#2218 of 2643 Bottom 16.1% in $100M-$1B
2156
Total Assets
size
Value: $166.53M
Peer Median: $386.57M
#2156 of 2643 Bottom 18.5% in $100M-$1B
2102
Delinquency Rate
credit_quality
Value: 1.38%
Peer Median: 0.92%
#2102 of 2633 Bottom 20.2% in $100M-$1B
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