Compass Savings Bank: how it compares with its peers
Against 10 PA banks with half to twice its assets, Compass Savings Bank's strongest measure in Q2 2026 is assets per employee ($13.4M vs. a $6.2M peer median). Its weakest relative measure is return on assets (-0.33% vs. 0.34%).
| Measure | Compass Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.33% | 0.34% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.67% | 3.13% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 118.84% | 79.93% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.4M | $6.2M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 103.68% | 84.36% | Context |
What it means for lending operations
Its efficiency ratio of 118.84% is above the 79.93% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- United Bank of Philadelphia Philadelphia, PA · $48M
- Second Federal Savings and Loan Association of Philadelphia Philadelphia, PA · $46M
- The Philadelphia Trust Company Philadelphia, PA · $28M
- County Savings Bank Essington, PA · $90M
Questions about Compass Savings Bank
How big is Compass Savings Bank?
Compass Savings Bank, established in 1934, is headquartered in Wilmerding, PA. It reported $54M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Compass Savings Bank's return on assets?
-0.33% annualized in Q2 2026, against a 0.34% median for 10 PA banks with half to twice its assets, ahead of 20% of them.
What is Compass Savings Bank's efficiency ratio?
118.84% in Q2 2026: it spent about 119 cents in noninterest expense for each dollar of revenue. The peer median is 79.93%, and lower is better.
Is Compass Savings Bank growing its loans?
Net loans shrank 2.1% over the year to Q2 2026, while deposits shrank 6.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.