BlastPoint's Banking Scorecard
Slovenian Savings and Loan Association of Franklin-Conemaugh
Designations: ✓ Mutual
Conemaugh, 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 +3.5% year over year ($167.7M on the books).
- Delinquency rate 0.63%.
- Return on assets 0.28%.
- Efficiency ratio 87.65% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.06% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Slovenian Savings and Loan Association of Franklin-Conemaugh has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.29% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 12.3% in tier
- - Capital Thin: Bottom 17.7% in tier
- - Credit Risk Growth: Bottom 30.7% in tier
- - Credit Quality Pressure: Bottom 34.7% in tier
- - Return on Assets 1.05% below tier average
- - Net Interest Margin 1.63% below tier average
- - Efficiency Ratio 23.17% above tier average
- - Non-Interest-Bearing Deposit Share 19.78% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$180.8M
+2.0% YoY
-0.1% QoQ
|
-$205.7M |
$386.6M
+1.2% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$120.9M
+7.0% YoY
+1.8% QoQ
|
-$137.5M |
$258.3M
+1.7% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$167.7M
+3.5% YoY
-0.3% QoQ
|
-$159.0M |
$326.7M
+0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
0.28%
+362.1% YoY
+165.5% QoQ
|
-1.05% |
1.32%
+10.8% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 6.9% in tier |
| Net Interest Margin ? |
2.36%
+22.0% YoY
+4.7% QoQ
|
-1.63% |
3.99%
+5.0% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio ? |
87.65%
-17.1% YoY
-3.8% QoQ
|
+23.17% |
64.48%
-3.2% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate ? |
0.63%
+23.3% YoY
-11.0% QoQ
|
-0.29% |
0.92%
+15.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
72.06%
+3.3% YoY
+2.1% QoQ
|
-5.89% |
77.95%
+1.0% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
2.25%
-16.0% YoY
+6.3% QoQ
|
-19.78% |
22.03%
-0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 1.7% in tier |
| Nonperforming Asset Ratio ? |
0.47%
+44.3% YoY
+1.2% QoQ
|
-0.20% |
0.67%
+16.4% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
9.88%
-2.6% YoY
-0.0% QoQ
|
-6.03% |
15.91%
+1.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 9.0% in tier |
| Non-Interest Income / Assets ? |
0.20%
+4.5% YoY
+100.7% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
49% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
2.2%
-0.4pp YoY +0.1pp QoQ |
-19.9pp | 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 |
3.0%
-0.3pp YoY -0.2pp QoQ |
-36.6pp | 39.5% | 37.9% | 41.4% | 0% |
| 1-4 Family |
92.8%
-0.2pp YoY -0.1pp QoQ |
+60.2pp | 32.6% | 47.8% | 31.3% | 98% |
| Consumer |
2.5%
-0.3pp YoY 0.0pp QoQ |
-1.6pp | 4.1% | 3.8% | 5.0% | 54% |
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 |
9.9%
-0.3pp YoY 0.0pp QoQ |
-2.3pp | 12.2% | 13.2% | 12.6% | 28% |
| 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 |
31
0 YoY 0 QoQ |
-28 | 58 | 299 | 482 | 28% |
| Assets per Employee ($) |
$5.8M
+2.0% YoY -0.1% QoQ |
-$1.7M | $7.5M | $9.2M | $8.8M | 30% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 20 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
+0.1pp YoY -0.1pp QoQ |
+0.3pp | 0.3% | 0.2% | 0.4% | 86% |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.9% | 1.0% | 1% |
| Allowance Coverage |
0.28x
-19.6% YoY -16.8% QoQ |
-23.88x | 24.15x | 3.63x | 20.23x | 3% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 43% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.2%
+5.9pp YoY +2.6pp QoQ |
-8.0pp | 12.2% | 10.2% | 11.6% | 11% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.8% | 1.7% | 58% |
| Net Income ($, YTD) |
$250,000
+368.8% YoY — QoQ |
-$2.3M | $2.6M | $18.2M | $40.4M | 6% |
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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 (0)
Concerns (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.