Westmoreland Federal Savings and Loan Association: how it compares with its peers
Against 23 PA banks with half to twice its assets, Westmoreland Federal Savings and Loan Association's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $5.8M peer median). Its weakest relative measure is return on assets (0.02% vs. 0.82%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.02% | 0.82% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.17% | 3.38% | Bottom third Ahead of 9% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.99% | 79.67% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $5.8M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 57.24% | 76.20% | Context |
What it means for lending operations
Its efficiency ratio of 77.99% is better than the 79.67% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- UNB Bank Mount Carmel, PA · $167M
- Sharon Bank Springfield, PA · $173M
- Slovenian Savings and Loan Association of Franklin-Conemaugh Conemaugh, PA · $181M
- The Haverford Trust Company Radnor, PA · $191M
Questions about Westmoreland Federal Savings and Loan Association
How big is Westmoreland Federal Savings and Loan Association?
Westmoreland Federal Savings and Loan Association, established in 1952, is headquartered in Latrobe, PA. It reported $167M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Westmoreland Federal Savings and Loan Association's return on assets?
0.02% annualized in Q2 2026, against a 0.82% median for 23 PA banks with half to twice its assets, ahead of 0% of them.
What is Westmoreland Federal Savings and Loan Association's efficiency ratio?
77.99% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 79.67%, and lower is better.
Is Westmoreland Federal Savings and Loan Association growing its loans?
Net loans grew 1.8% over the year to Q2 2026, while deposits shrank 0.5%.
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.