Bank Safety Analysis
Is Sewickley Savings Bank Safe? Sewickley, Pennsylvania
Based on its Q2 2026 call report, Sewickley Savings Bank meets every capital ratio test for well capitalized, its Texas ratio is 2.49%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Sewickley Savings Bank's CET1 ratio is 45.40%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 45.40%
- Tier 1 leverage ratio (Q2 2026): 23.76%
- Texas ratio (Q2 2026): 2.49%
- Noncurrent loans ratio (Q2 2026): 2.73%
Sewickley Savings Bank is an FDIC-insured savings bank (FDIC Certificate #30154). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Sewickley Savings Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) dropped 0.39 percentage points in Q2 2026, from 3.12% to 2.73%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Sewickley Savings Bank ranks 4th highest among the 72 banks headquartered in Pennsylvania, at 45.40% (Q2 2026). Against a median of 15.08% for banks in the $100M-1B asset tier, Sewickley Savings Bank reported 45.40% on CET1 ratio in Q2 2026, 30.32 points higher. From Q3 2023 to Q2 2026, Sewickley Savings Bank's CET1 ratio ranged between 45.40% (Q2 2026) and 65.63% (Q3 2023) and its Texas ratio ranged between 0.00% (Q4 2025) and 2.57% (Q1 2026). Between Q2 2025 and Q2 2026, Sewickley Savings Bank's CET1 ratio fell from 57.03% to 45.40%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.00% to 2.73%, Texas ratio rose from 0.00% to 2.49% and return on assets fell from 0.94% to 0.89%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 45.40% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 23.76% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.73% are elevated; merits closer attention.
Texas Ratio of 2.5% is well below the 100% historical failure threshold.
Efficiency ratio of 56.4% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 45.40% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 2.49% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.73% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 30.05% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 31.94% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 45.40% |
| Q1 2026 | 46.03% |
| Q4 2025 | 52.71% |
| Q3 2025 | 58.54% |
| Q2 2025 | 57.03% |
| Q1 2025 | 57.67% |
| Q4 2024 | 59.22% |
| Q3 2024 | 60.00% |
| Q2 2024 | 59.08% |
| Q1 2024 | 58.43% |
| Q4 2023 | 62.12% |
| Q3 2023 | 65.63% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 2.49% |
| Q1 2026 | 2.57% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Sewickley Savings Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 45.40% | 2.73% | 2.49% | 0.89% |
| Mar 31, 2026 | 46.03% | 3.12% | 2.57% | 0.76% |
| Dec 31, 2025 | 52.71% | 0.00% | 0.00% | 0.58% |
| Sep 30, 2025 | 58.54% | 0.00% | 0.00% | 0.98% |
| Jun 30, 2025 | 57.03% | 0.00% | 0.00% | 0.94% |
| Mar 31, 2025 | 57.67% | 0.00% | 0.00% | 0.78% |
| Dec 31, 2024 | 59.22% | 0.00% | 0.00% | 0.38% |
| Sep 30, 2024 | 60.00% | 0.00% | 0.00% | 0.69% |
| Jun 30, 2024 | 59.08% | 0.00% | 0.00% | 0.90% |
| Mar 31, 2024 | 58.43% | 0.00% | 0.00% | 0.80% |
| Dec 31, 2023 | 62.12% | 0.00% | 0.00% | -30.23% |
| Sep 30, 2023 | 65.63% | 0.00% | 0.00% | -0.95% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Sewickley Savings Bank FDIC insured?
Yes. Sewickley Savings Bank is an FDIC-insured savings bank (FDIC Certificate #30154). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Sewickley Savings Bank well capitalized?
On its Q2 2026 call report, Sewickley Savings Bank's CET1 ratio is 45.40%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Sewickley Savings Bank's key safety ratios?
For Q2 2026, Sewickley Savings Bank reports CET1 45.40%, leverage 23.76%, Texas ratio 2.49%, noncurrent loans 2.73%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Sewickley Savings Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Free to use. It shows Sewickley Savings Bank’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 30154) · FFIEC NIC profile (RSSD 678070)
Explore: Full Sewickley Savings Bank profile · Other banks in PA · Metric glossary · How the call report works