Westmoreland Federal Savings and Loan Association of Latrobe: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Westmoreland Federal Savings and Loan Association of Latrobe of Latrobe, 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 | 0.38% | 1.35% | -0.97% | 10th bottom |
| ROAE | 1.41% | 12.06% | -10.65% | 6th bottom |
| Net Interest Margin | 2.28% | 3.90% | -1.62% | 2nd bottom |
| Efficiency Ratio | 73.29% | 63.15% | +10.14% | 22nd bottom |
| PPNR / Avg Assets | 0.60% | 1.64% | -1.04% | 10th bottom |
| Yield on Earning Assets | 3.93% | 5.65% | -1.72% | 2nd bottom |
| Cost of Funds | 2.21% | 1.85% | +0.36% | 25th below |
| Net Interest Spread | 1.67% | 3.35% | -1.68% | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.37% | 0.92% | +0.45% | 20th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.57% | 0.67% | -0.10% | 34th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.60% | 1.28% | -0.68% | 4th bottom |
| ACL / NPLs (Coverage) | 43.71% | 1645.82% | -1602.11% | 8th bottom |
| Texas Ratio | 2.10% | 7.15% | -5.05% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 26.92% | 12.46% | +14.46% | 98th top |
| Equity / Assets | 27.03% | 11.67% | +15.36% | 98th top |
| TCE / Tangible Assets | 27.03% | 11.39% | +15.64% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.59% | 78.65% | -21.06% | 85th top |
| Core Deposit Ratio | 93.38% | 87.09% | +6.29% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.09% | 6.48% | -6.57% | 19th bottom |
| Loan Growth (Y/Y) | 1.81% | 7.64% | -5.83% | 31st below |
| Deposit Growth (Y/Y) | -0.48% | 6.03% | -6.51% | 21st bottom |
See Westmoreland Federal Savings and Loan Association of Latrobe's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Westmoreland Federal Savings and Loan Association of Latrobe, 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 Westmoreland Federal Savings and Loan Association of Latrobe profile, how to read a UBPR, or how this data updates.