Slovenian Savings & Loan Association of Franklin-Conemaugh
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Data as of · sourced from FFIEC call reports. How we update
Slovenian Savings & Loan Association of Franklin-Conemaugh is an FDIC-insured savings institution headquartered in Johnstown, PA, supervised by the OCC, with $180.8M in total assets at Q2 2026, up 2.0% from Q2 2025, the 95th largest of 109 banks headquartered in Pennsylvania. It was established in 1915 and holds FDIC certificate 31994. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.88% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31994
- Headquarters
- Johnstown, PA
- Established
- 1915
- Total assets, Q2 2026
- $180.8M
- Assets vs Q2 2025
- +2.0%
- Tier 1 leverage ratio, Q2 2026
- 9.88%
- Domestic offices
- 5 · Slovenian Savings & Loan Association of Franklin-Conemaugh branches FDIC institution directory, current count
- Routing number
- 231372073
- Safety and soundness
- Is Slovenian Savings & Loan Association of Franklin-Conemaugh safe?
- Latest call report
- Q2 2026, FFIEC 051 · Slovenian Savings & Loan Association of Franklin-Conemaugh Q3 2026 call report, filed October 23, 2026 (preliminary)
- Asset rank in state
- 95th of 109 in Pennsylvania
Slovenian Savings & Loan Association of Franklin-Conemaugh spends more to run itself than most banks of its size. It reported $181 million in assets at June 30, 2026, up 2.0% from a year earlier. It earns about $0.45 a year on every $100 of assets, about a third the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 84 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $8.1 million equal 45% of Tier 1 capital, down from 52% a year earlier. Loans are outrunning deposits: over the year loans rose 7.0% and deposits rose 3.5%. Its margin is thin by comparison: it keeps 2.36 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
As of June 30, 2026, Slovenian Savings & Loan Association of Franklin-Conemaugh reported a return on assets of 0.45%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 6.90%. The figures come from its call report filed with the FFIEC.
Slovenian Savings & Loan Association of Franklin-Conemaugh ranks as the 95th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $180.8M, loans rose 1.8% and deposits fell 0.3%. 1-4 family residential loans made up 92.6% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 1.9%. The FDIC Summary of Deposits lists 5 offices for it, in Johnstown, PA, Windber, PA and Conemaugh, PA; its Johnstown 3 offices book 52% of its branch deposits. Judged on its Q2 2026 call report, Slovenian Savings & Loan Association of Franklin-Conemaugh meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 361 1st St, Johnstown, PA 15909
- County
- Cambria
- Metro Area
- Johnstown, PA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1915
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $167.7M
- Allowance for credit losses
- $211K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $181.7M
- Average total loans
- $120.1M
- Average interest-bearing deposits
- $167.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31994
- Fed RSSD
- 568377
- Website
- sloveniansavings.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Slovenian Savings & Loan Association of Franklin-Conemaugh reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Slovenian Savings & Loan Association of Franklin-Conemaugh's total assets moved between a low of $168.7M (Q3 2023) and a high of $181.0M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$180.8M total assets against $177.4M; $168.7M total liabilities against $166.4M.
$120.9M net loans and leases against $113.0M; $167.7M total deposits against $162.0M.
$42.9M securities against $43.5M; $9.4M cash and balances due against $12.9M.
$1.8M total interest income against $1.7M; $769K total interest expense against $835K.
$1.1M net interest income against $828K.
$179K total noninterest income against $168K; $1.0M total noninterest expense against $1.0M.
-$67K provision for credit losses against $22K.
$203K net income against -$48K.
0.45% return on assets against -0.11%; 2.36% net interest margin against 1.87%.
9.88% tier 1 leverage ratio against 10.15%.
Inside the full Slovenian Savings & Loan Association of Franklin-Conemaugh terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSlovenian Savings & Loan Association of Franklin-Conemaugh rankings
Its closest position to the top of a national ranking is 966 of 3,640, for Texas Ratio; its furthest is 3,349 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.62% (Q4 2025) to 0.45% (Q2 2026) and its net interest margin ran from 1.58% (Q3 2024) to 2.36% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.88% | 0.45% | 0.63% | 6.90% | 2.36% |
| Q1 2026 | 9.89% | 0.10% | 0.71% | 6.93% | 2.18% |
| Q4 2025 | 9.84% | -0.62% | 1.06% | 10.16% | 2.04% |
| Q3 2025 | 10.09% | 0.02% | 0.95% | 9.11% | 2.00% |
| Q2 2025 | 10.15% | -0.11% | 0.51% | 5.17% | 1.87% |
| Q1 2025 | 10.36% | -0.10% | 0.58% | 5.63% | 1.78% |
| Q4 2024 | 10.40% | -0.10% | 0.67% | 6.87% | 1.63% |
| Q3 2024 | 10.34% | -0.16% | 0.51% | 4.71% | 1.58% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Windber Branch | Windber , PA | 15963 | $46.3M |
| West Hills Branch | Johnstown , PA | 15905 | $40.6M |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | Conemaugh , PA | 15909 | $33.7M |
| Hostetler Branch | Johnstown , PA | 15904 | $26.4M |
| 512 Central Avenue Branch | Johnstown , PA | 15902 | $20.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC, OCC (former OTS))
- July 26, 2024, OCC: Formal Agreement: Slovenian S&LA of Franklin-Conemaugh
- December 31, 1991, OCC (former OTS): Supervisory Agreement: Slovenian Savings and Loan of Franklin-Conemaugh
- Period: Most recent institution action July 26, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 115 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Slovenian Savings & Loan Association of Franklin-Conemaugh
What are Slovenian Savings & Loan Association of Franklin-Conemaugh's total assets?
As of the Q2 2026 filing, Slovenian Savings & Loan Association of Franklin-Conemaugh reported total assets of $180.8 million in its FFIEC call report.
Where is Slovenian Savings & Loan Association of Franklin-Conemaugh headquartered?
It is headquartered in Johnstown, PA, United States.
When was Slovenian Savings & Loan Association of Franklin-Conemaugh founded?
It was established in 1915, per the FDIC institution directory.
Is Slovenian Savings & Loan Association of Franklin-Conemaugh FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #31994). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Slovenian Savings & Loan Association of Franklin-Conemaugh?
Slovenian Savings & Loan Association of Franklin-Conemaugh's primary federal regulator is the OCC.
How many branches does Slovenian Savings & Loan Association of Franklin-Conemaugh operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Slovenian Savings & Loan Association of Franklin-Conemaugh's Texas Ratio?
Its Texas Ratio is 6.90% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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