TellerScore

Slovenian Savings and Loan Association of Franklin-Conemaugh (FDIC certificate #31994) is based in Conemaugh, Pennsylvania. Its Q2 2026 call report shows $180.8M in total assets and $167.7M in deposits and 5 offices.

Based on its Q2 2026 filing, Slovenian Savings and Loan Association of Franklin-Conemaugh scores 62/100, which we describe as moderate. That is higher than only 22% of 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 78th. Its strongest component is funding & liquidity (88/100; 72% loans-to-deposits, 5% uninsured), and its lowest is earnings (31/100; 0.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.88%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings31/100
Return on assets (annualized): 0.28%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 72.1% · 4.7% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.90%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 62).

TellerScore
545862Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202462
Q4 202460
Q1 202562
Q2 202562
Q3 202557
Q4 202554
Q1 202661
Q2 202662
Tier 1 leverage ratio
5.00%7.77%10.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.54%
Q3 202410.34%
Q4 202410.40%
Q1 202510.36%
Q2 202510.15%
Q3 202510.09%
Q4 20259.84%
Q1 20269.89%
Q2 20269.88%
Noncurrent loans
0.51%0.78%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.76%
Q3 20240.51%
Q4 20240.67%
Q1 20250.58%
Q2 20250.51%
Q3 20250.95%
Q4 20251.06%
Q1 20260.71%
Q2 20260.63%
Return on assets
-0.25%0.01%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.25%
Q3 2024-0.22%
Q4 2024-0.19%
Q1 2025-0.10%
Q2 2025-0.11%
Q3 2025-0.06%
Q4 2025-0.21%
Q1 20260.10%
Q2 20260.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$180.8M9.88%0.63%0.28%72.1%
Q1 202661$181.0M9.89%0.71%0.10%70.6%
Q4 202554$178.9M9.84%1.06%-0.21%71.8%
Q3 202557$179.6M10.09%0.95%-0.06%70.4%
Q2 202562$177.4M10.15%0.51%-0.11%69.7%
Q1 202562$176.9M10.36%0.58%-0.10%69.8%
Q4 202460$172.9M10.40%0.67%-0.19%70.5%
Q3 202462$176.7M10.34%0.51%-0.22%69.0%
Q2 202460$174.5M10.54%0.76%-0.25%68.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.88%
28th
Total risk-based capital0.00%
24th
Problem loans0.63%
40th
Net charge-offs0.01%
48th
Return on assets0.28%
7th
Net interest margin2.36%
2nd
Efficiency ratio87.7%
8th
Loans to deposits72.1%
66th
Uninsured deposits4.7%
99th
Loan-loss reserves0.17%
1st
Texas ratio6.9%
27th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Sharon BankBank Springfield, PA65 out of 100, Moderate$172.6M9.4%0.16%vs
The Haverford Trust CompanyBank Radnor, PA90 out of 100, Very strong$191.0M22.5%0.00%vs
UNB BankBank Mount Carmel, PA67 out of 100, Moderate$167.3M9.3%0.12%vs
Westmoreland Federal Savings and Loan AssociationBank Latrobe, PA72 out of 100, Strong$166.5M26.9%1.37%vs
SEI Private Trust CompanyBank Oaks, PA93 out of 100, Very strong$208.5M80.4%0.00%vs
Apollo Trust CompanyBank Apollo, PA71 out of 100, Strong$209.4M11.0%0.29%vs

Deposit insurance

Is my money safe at Slovenian Savings and Loan Association of Franklin-Conemaugh?

Yes. Slovenian Savings and Loan Association of Franklin-Conemaugh is an FDIC-insured institution (FDIC certificate #31994). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 4.7% of deposits ($7.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.88%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Slovenian Savings and Loan Association of Franklin-Conemaugh lists 5 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Slovenian Savings and Loan Association of Franklin-Conemaugh
Type
Savings bank
FDIC certificate #
31994
RSSD ID
568377
Primary regulator
OCC
Established
January 1, 1915
Headquarters
361 1st St, Conemaugh, PA 15909
Employees
31

Quick answers

Slovenian Savings and Loan Association of Franklin-Conemaugh: common questions

Is Slovenian Savings and Loan Association of Franklin-Conemaugh FDIC insured?

Yes. Slovenian Savings and Loan Association of Franklin-Conemaugh is an FDIC-insured institution (FDIC certificate #31994). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Slovenian Savings and Loan Association of Franklin-Conemaugh's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Slovenian Savings and Loan Association of Franklin-Conemaugh ever failed?

There is no failure record for FDIC certificate #31994 in the FDIC failed bank list.

How many branches does Slovenian Savings and Loan Association of Franklin-Conemaugh have?

5 offices as of the latest FDIC data.

Nearby

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