Westmoreland Federal Savings and Loan Association of Latrobe
Westmoreland Federal Savings and Loan Association of Latrobe is an FDIC-insured savings institution headquartered in Latrobe, PA, supervised by the OCC, with $166.5M in total assets at Q2 2026, down 0.1% from Q2 2025, the 98th largest of 109 banks headquartered in Pennsylvania. It was established in 1952 and holds FDIC certificate 30551. It reports no CET1 ratio; its Tier 1 leverage ratio was 26.92% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30551
- Headquarters
- Latrobe, PA
- Established
- 1952
- Total assets, Q2 2026
- $166.5M
- Assets vs Q2 2025
- -0.1%
- Tier 1 leverage ratio, Q2 2026
- 26.92%
- Domestic offices
- 1 · Westmoreland Federal Savings and Loan Association of Latrobe branches FDIC institution directory, current count
- Routing number
- 243373387
- Safety and soundness
- Is Westmoreland Federal Savings and Loan Association of Latrobe safe?
- Latest call report
- Q2 2026, FFIEC 041 · Westmoreland Federal Savings and Loan Association of Latrobe Q3 2026 call report, filed October 28, 2026 (preliminary)
- Asset rank in state
- 98th of 109 in Pennsylvania
Westmoreland Federal Savings and Loan Association of Latrobe spends more to run itself than most banks of its size. The Latrobe, Pennsylvania bank had $167 million in assets at June 30, 2026. It earns about $0.38 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 keeps 2.28 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
Earnings fell sharply: quarterly net income of $158,000 was 54% below a year earlier. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Westmoreland Federal Savings and Loan Association of Latrobe reported a return on assets of 0.38%, a nonperforming-loan ratio of 1.37% and a Texas ratio of 2.10%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Westmoreland Federal Savings and Loan Association of Latrobe is the 98th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.1% to $166.5M, loans rose 1.1% and deposits fell 1.7%. 1-4 family residential loans made up 98.3% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 1.7%. The FDIC Summary of Deposits lists a single office for it, in Latrobe, PA. Judged on its Q2 2026 call report, Westmoreland Federal Savings and Loan Association of Latrobe meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 322 Main St, Latrobe, PA 15650
- County
- Westmoreland
- Metro Area
- Pittsburgh, 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 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 12, 1952
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $120.9M
- Allowance for credit losses
- $417K
- Net charge-offs (YTD)
- $0
- Average total assets
- $167.3M
- Average total loans
- $69.9M
- Average interest-bearing deposits
- $118.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30551
- Fed RSSD
- 188177
- Website
- www.wfsavings.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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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, Westmoreland Federal Savings and Loan Association of Latrobe reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Westmoreland Federal Savings and Loan Association of Latrobe's total assets ran between $164.3M (Q3 2023) and $168.4M (Q1 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$166.5M total assets against $166.7M; $121.5M total liabilities against $122.0M.
$69.2M net loans and leases against $68.0M; $120.9M total deposits against $121.5M.
$75.0M securities against $80.5M; $18.4M cash and balances due against $17.0M.
$1.6M total interest income against $1.6M; $673K total interest expense against $733K.
$932K net interest income against $869K.
$4K total noninterest income against $4K; $686K total noninterest expense against $675K.
No provision recorded in the last 12 quarters.
$158K net income against $341K.
0.38% return on assets against 0.82%; 2.28% net interest margin against 2.11%.
26.92% tier 1 leverage ratio against 26.87%.
Inside the full Westmoreland Federal Savings and Loan Association of Latrobe terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWestmoreland Federal Savings and Loan Association of Latrobe rankings
Its closest position to the top of a national ranking is 2,223 of 3,640, for Texas Ratio; its furthest is 3,349 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.33% (Q1 2026) to 0.86% (Q3 2025) and its net interest margin ran from 1.74% (Q3 2024) to 2.28% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.92% | 0.38% | 1.37% | 2.10% | 2.28% |
| Q1 2026 | 26.68% | -0.33% | 1.37% | 2.08% | 2.03% |
| Q4 2025 | 26.99% | -0.03% | 1.55% | 2.40% | 2.05% |
| Q3 2025 | 27.04% | 0.86% | 1.42% | 2.22% | 2.10% |
| Q2 2025 | 26.87% | 0.82% | 1.38% | 2.09% | 2.11% |
| Q1 2025 | 26.40% | 0.46% | 1.17% | 1.79% | 1.79% |
| Q4 2024 | 26.48% | 0.45% | 1.54% | 2.39% | 1.75% |
| Q3 2024 | 26.41% | 0.08% | 1.13% | 1.81% | 1.74% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Westmoreland Federal Savings and Loan Association | Latrobe , PA | 15650 | $120.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 124 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 57 applications, 50 loans originated, $11.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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 Westmoreland Federal Savings and Loan Association of Latrobe
What are Westmoreland Federal Savings and Loan Association of Latrobe's total assets?
As of the Q2 2026 filing, Westmoreland Federal Savings and Loan Association of Latrobe reported total assets of $166.5 million in its FFIEC call report.
Where is Westmoreland Federal Savings and Loan Association of Latrobe headquartered?
It is headquartered in Latrobe, PA, United States.
When was Westmoreland Federal Savings and Loan Association of Latrobe founded?
It was established in 1952, per the FDIC institution directory.
Is Westmoreland Federal Savings and Loan Association of Latrobe FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Westmoreland Federal Savings and Loan Association of Latrobe?
Westmoreland Federal Savings and Loan Association of Latrobe's primary federal regulator is the OCC.
How many branches does Westmoreland Federal Savings and Loan Association of Latrobe operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Westmoreland Federal Savings and Loan Association of Latrobe's Texas Ratio?
Its Texas Ratio is 2.10% 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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