# COMPASS SAVINGS BANK
WILMERDING, PA · FDIC certificate 29430 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $53.5M | |
| Deposits | $48.2M | |
| Loans and leases | $50.3M | |
| Total equity | $3.9M | |
| Loans / deposits | 103.68% (p94 of band) | 73.59% |
| Liquid assets / assets | 4.79% (p0 of band) | |
| Uninsured deposits / deposits | 3.20% (p1 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.34% (p61 of band) | |
| FHLB advances / assets | 2.34% | |
| Tier 1 leverage | 7.29% (p1 of band) | 11.76% |
| Unrealized securities loss / equity | 0.03% (p98 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | -0.33% (p5 of band) | 1.17% |
| Net interest margin | 1.67% (p2 of band) | 3.93% |
| Efficiency ratio | 118.84% (p97 of band) | |
| Noncurrent loans | 0.13% (p37 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 477.61% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 11.37% (p40 of band) | |
| Auto loans | $164,000 (0.33% of loans; DQ 1.83%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.3% | |
| Employees | 4 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 3 | losing money, reserve under noncurrent |  |
| 2011-09 | 2 |  | losing money |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | assets shrinking |  |
| 2012-06 | 1 |  | reserve under noncurrent, assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | NIM <2.5% |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | deposits shrinking |  |
| 2013-12 | 1 | capital falling | deposits shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | deposits shrinking | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | reserve under noncurrent |  |
| 2015-03 | 3 | wholesale funding >15% |  |
| 2015-06 | 5 | loans exceed deposits, capital falling |  |
| 2015-09 | 4 | brokered >10% | deposits shrinking, loans exceed deposits |
| 2015-12 | 4 |  |  |
| 2016-03 | 5 | loans exceed deposits |  |
| 2016-06 | 5 | charge-offs p90 | reserve under noncurrent |
| 2016-09 | 6 | reserve under noncurrent |  |
| 2016-12 | 4 |  | capital falling, charge-offs p90 |
| 2017-03 | 3 |  | reserve under noncurrent |
| 2017-06 | 7 | liquid assets <10%, losing money, expense ratio p90, reserve under noncurrent, assets shrinking | loans exceed deposits |
| 2017-09 | 6 |  | reserve under noncurrent |
| 2017-12 | 6 | loans exceed deposits | losing money |
| 2018-03 | 7 | capital falling, deposits shrinking | expense ratio p90 |
| 2018-06 | 5 |  | assets shrinking, deposits shrinking |
| 2018-09 | 7 | NIM <2.5%, deposits shrinking, uninsured deposits leaving | brokered >10% |
| 2018-12 | 8 | expense ratio p90 |  |
| 2019-03 | 8 | brokered >10%, losing money, assets shrinking | liquid assets <10%, loans exceed deposits, uninsured deposits leaving |
| 2019-06 | 8 | uninsured deposits leaving | capital falling |
| 2019-09 | 5 |  | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2019-12 | 5 |  |  |
| 2020-03 | 6 | uninsured deposits leaving |  |
| 2020-06 | 7 | capital falling, reserve under noncurrent | assets shrinking |
| 2020-09 | 6 |  | reserve under noncurrent |
| 2020-12 | 5 |  | brokered >10% |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | capital falling |
| 2021-09 | 6 | deposits shrinking, assets shrinking |  |
| 2021-12 | 5 |  | uninsured deposits leaving |
| 2022-03 | 5 | liquid assets <10% | losing money |
| 2022-06 | 7 | loans exceed deposits, uninsured deposits leaving |  |
| 2022-09 | 5 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-12 | 5 |  |  |
| 2023-03 | 7 | wholesale funding >15%, losing money |  |
| 2023-06 | 6 |  | wholesale funding >15% |
| 2023-09 | 3 |  | expense ratio p90, capital falling, losing money |
| 2023-12 | 6 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2024-03 | 8 | leverage <7%, capital falling |  |
| 2024-06 | 9 | reserve under noncurrent |  |
| 2024-09 | 6 |  | loans exceed deposits, uninsured deposits leaving, reserve under noncurrent |
| 2024-12 | 7 | loans exceed deposits |  |
| 2025-03 | 7 |  |  |
| 2025-06 | 6 |  | loans exceed deposits |
| 2025-09 | 2 |  | liquid assets <10%, losing money, expense ratio p90, capital falling |
| 2025-12 | 5 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking | leverage <7% |
| 2026-03 | 7 | losing money, expense ratio p90 |  |
| 2026-06 | 7 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-03 [Compass Savings Bank shutters branch after short-lived expansion - WPXI](https://news.google.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?oc=5) · WPXI
- 2025-10-30 [Compass Savings Bank shutters branch after short-lived expansion - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxNc0lrMjllTXlrRGRjZDg2aFdnbHRLNE90a2NqS3hHUmY1Qlhscmx1aXhTMlhTb0ptM2ExU3Jyemc4M0FYbHVHaHhiNzA4QjNZY0F0YWNyaDRQbUtDMHZ5emhiTGJtdGNpektuSGtUU0NXQXJBUVA2aEI4eFNWM0RzOUdRNGJCX2JFWkJhRXF6NS1PYm5SRjNwOUJB?oc=5) · The Business Journals
- 2026-08-01 [Leslie Petras Obituary (1937 - 2026-07-27) - McKeesport, PA - Pittsburgh Tribune Review - legacy.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxONHhJb3hyelh6V3NCWVVIZU96SE56NFdXV0pyOUZkX0psVjJCVWUxeE1YdG15SWRSWFVzd0k3ZEhaYjI0ZV9pQmp0d3lzMDZpbnJyV2hWVXJmdVV5V0xuc3RGUWJFeUw1LVJ3TVNNSzZlUHgtbEVWRGJEeF9GQTI2RHduT0FZcU1aQlRNaktkOF9nVUc3TGtsYjlCMG5POGlTcFY3TlY1Ry1Qb0Ruc25sZg?oc=5) · legacy.com
- 2026-07-27 [Leslie Frank Petras Obituary (2026) - White Oak, PA - Strifflers of White Oak Cremation and Mortuary Services, Inc. - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxONGpWOFlZdndnbU0xSUdJUURVdVFUbUZfb1Y4X2s4VjhjZkpNY0F3WFU4YWhQOHc4Qko4NkpzdXd0dWg2OHVMN3BBVE5qYkM3MVd0S2E4amVYMm1YcWxKclRvcFEweGRHRTBfdjJZb3preUdxcDJ1R2prcmk2SFZkUUhB?oc=5) · legacy.com
- 2025-12-26 [Industry vet brings nearly 40 years of experience to CEO role of Brentwood Bank (Newly Minted) - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxPYzE5N3pzcE9laU43cGp0cGJTRFNCa1NncmwzRWVEX3N5NE5mVkp3VHBLMm1GaHBHMGhuTlphY2dWNjNHY0huSFhYODhVLWoyLTVDWGdVQlpGNVBCSEZWbVV2ekxZeUlqQlYzeFE1SEtCMmV5bDJqTGRwM3hlMUV2YnFqR2Ffbm8yRlN4WmhfVjhXcGxUUDdhWVhma2RiTk51?oc=5) · The Business Journals
- 2025-11-02 [Eastern Pittsburgh suburban real estate transactions for the week of Nov. 2, 2025 - TribLIVE.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxQaDBXWmxFTmk5a2toNkJhSklneVB0UlJDeDFXUjEzWThNNXp4MllvOUwxZnA4R3FjWHRaWmljTUU5ZTlYcFBKcDhnSmt4V0FYeWNBUjA5RWc4cjk1dFQ3b25iYzdZSFdtOEtKblRodUtGMWdBUlJRdmhGNDNkTnowMm5obDROQ3hodlZSaTBEMmRhdmxuOXV3bGdnOEhZYmozcG9rLWk0cmRzb2xaMy05TE1IMC1FVEhta1E?oc=5) · TribLIVE.com
- 2025-03-27 [Donald Rhodes Obituary (2025) - Trafford, PA - Triblive Online Only - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNOHpIeTFlM0VheGpELTZ5R2s5UEY4ckJITXlDdm1YTmNsQ0EtZkkzSmFKQlcwcFdoOWIzWjRxd09Zb3lXR010MEF1Q1ZPV0s5MXg3YnZGa2ZKcUJkd1F6akRHaGZFYTJkVjN3ZWhkNjY1WTBFM2d2X0U4bDJ6NlViYjFvaG0zd1JKQWtxRXgwQ0x0X0s2RFM2eTZyMlZPQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29430 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "29430", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide