Slovenian Savings & Loan Association of Franklin-Conemaugh: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Slovenian Savings & Loan Association of Franklin-Conemaugh of Johnstown, PA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.45% | 1.34% | -0.89% | 11th bottom |
| ROAE | 6.78% | 13.32% | -6.54% | 20th bottom |
| Net Interest Margin | 2.36% | 3.93% | -1.57% | 2nd bottom |
| Efficiency Ratio | 83.86% | 61.14% | +22.72% | 10th bottom |
| PPNR / Avg Assets | 0.42% | 1.68% | -1.26% | 7th bottom |
| Yield on Earning Assets | 4.07% | 5.67% | -1.60% | 3rd bottom |
| Cost of Funds | 1.80% | 1.88% | -0.08% | 50th above |
| Net Interest Spread | 2.20% | 3.32% | -1.12% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 85th top |
| NPA / Total Assets | 0.05% | 0.70% | -0.65% | 77th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 43rd below |
| ACL / Total Loans | 0.17% | 1.28% | -1.11% | 0th bottom |
| ACL / NPLs (Coverage) | 4220.00% | 1538.16% | +2681.84% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.90% | 7.33% | -0.43% | 32nd below |
| Provision / NCO | -840.00% | 1396.08% | -2236.08% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.88% | 12.14% | -2.26% | 29th below |
| Equity / Assets | 6.69% | 11.38% | -4.69% | 5th bottom |
| TCE / Tangible Assets | 6.69% | 11.09% | -4.40% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.19% | 80.64% | -8.45% | 67th above |
| Core Deposit Ratio | 91.05% | 86.86% | +4.19% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.95% | 6.85% | -4.90% | 32nd below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.98% | 7.90% | -0.92% | 60th above |
| Deposit Growth (Y/Y) | 3.52% | 6.29% | -2.77% | 46th below |
See Slovenian Savings & Loan Association of Franklin-Conemaugh's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Slovenian Savings & Loan Association of Franklin-Conemaugh, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Slovenian Savings & Loan Association of Franklin-Conemaugh profile, how to read a UBPR, or how this data updates.