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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Latrobe, PA · FDIC certificate #30551
WESTMORELAND FS&LA is an FDIC-insured institution based in Latrobe, PA (FDIC certificate #30551). In its Q3 2026 Call Report it reported total assets of $166M, total deposits of $120M and net loans of $69M. Its primary federal regulator is OCC.
Plain-language readout
WESTMORELAND FS&LA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $168M in Q1 2026 and were lowest at $166M in Q3 2026.
Total deposits were highest at $123M in Q1 2026 and lowest at $120M in Q3 2026.
Over the whole period total assets fell 1.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $166M | $120M | $69M | 0.09% | 0.32% | 2.23% |
| Q2 2026 | $167M | $121M | $69M | 0.02% | 0.08% | 2.17% |
| Q1 2026 | $168M | $123M | $68M | -0.33% | -1.24% | 2.04% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $18.4M | $22.8M | -$4.3M | -18.9% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $74.5M | $72.9M | +$1.6M | +2.2% |
| Equity securities with readily determinable fair values, not held for trading | $541K | $579K | -$38K | -6.6% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $69.2M | $68.5M | +$728K | +1.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.0M | $3.0M | +$15K | +0.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $877K | $791K | +$86K | +10.9% |
| Total assets | $166.5M | $168.4M | -$1.9M | -1.1% |
| Liabilities | ||||
| Total deposits | $120.9M | $123.0M | -$2.0M | -1.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $602K | $631K | -$29K | -4.6% |
| Total liabilities | $121.5M | $123.6M | -$2.1M | -1.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $45.0M | $44.9M | +$159K | +0.4% |
| Accumulated other comprehensive income | -$29K | -$28K | -$1K | -3.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $45.0M | $44.9M | +$158K | +0.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $954K | $943K | +$11K | +1.2% |
| Adjusted nonperforming assets | $954K | $943K | +$11K | +1.2% |
| Tangible equity plus allowance | $45.4M | $45.3M | +$158K | +0.3% |
| Texas ratio (gross) | 2.10% | 2.08% | +0.02 pts | See points |
| Texas ratio (adjusted) | 2.10% | 2.08% | +0.02 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 26.92% | 26.68% | +0.24 pts | See points |
| Construction and land loans to total capital | 2.65% | 3.10% | -0.45 pts | See points |
| Commercial real estate to total capital | 2.65% | 3.10% | -0.45 pts | See points |
| Dividend payout, year to date | 0.00% | Not reported | Not reported | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.73% | -3.57% | -0.16 pts | See points |
| Liquidity | ||||
| Core deposits | $112.9M | $114.2M | -$1.3M | -1.1% |
| Non-core funding | $8.0M | $8.7M | -$728K | -8.3% |
| Loans to core deposits | 61.67% | 60.33% | +1.34 pts | See points |
| Loans to deposits | 57.59% | 56.04% | +1.55 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 2.69% | 2.74% | -0.06 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $8.0M | $8.7M | -$728K | -8.3% |
| Earnings | ||||
| Earnings before provision, year to date | $390K | $140K | +$250K | +178.6% |
| Earnings before provision, single quarter | $250K | $140K | +$110K | +78.6% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 4.07% | 4.05% | +0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.54% | 3.20% | +0.33 pts | See points |
| Total interest income to average assets | 3.84% | 3.66% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 0.06% | 0.12% | -0.06 pts | See points |
| Cost of savings and money market deposits | 0.15% | 0.15% | +0.00 pts | See points |
| Cost of time deposits | 3.41% | 3.53% | -0.13 pts | See points |
| Total interest expense to average assets | 1.61% | 1.68% | -0.07 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $166M | $120M | $69M | 0.09% | 0.32% | 2.23% |
| 2026-06-30 | $167M | $121M | $69M | 0.02% | 0.08% | 2.17% |
| 2026-03-31 | $168M | $123M | $68M | -0.33% | -1.24% | 2.04% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $121.5M | 0.02% | 131 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.