Total Assets
$179M
Total balance-sheet footings
FDIC Cert #31994 · Conemaugh, Pennsylvania · Est. 1915
Slovenian Savings and Loan Association of Franklin-Conemaugh - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $179M
- Total assets
- F
- Health grade · At Risk
- -0.21%
- Return on assets
- 9.8%
- Tier 1 capital
Data updated July 2026
The verdict
Slovenian Savings and Loan Association of Franklin-Conemaugh earns a PlainBankData health grade of F (34/100), with 9.84% Tier 1 capital, -0.21% ROA, 107% efficiency ratio.
- #3,160
- largest of 4,313 FDIC banks by assets
- 27th
- percentile by asset size, nationally
- 9.84%
- Tier 1 ratio - below the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 31994 · PA F · 34/100
GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-F F (34/100)
- BOTTOM-DECILE #4267/4307
- PHOTO-FINISH Gogebic Range Bank · MI
- TIER1-ADEQ 9.8% Tier 1
- TEXAS-CLEAN 10.2% Texas
- ROA-LOSS -0.21% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Pennsylvania: Gogebic Range Bank, MI (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Slovenian Savings and Loan Associatio…
Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.
Call Report read for Slovenian Savings and Loan Associatio… in a high-failure state
Slovenian Savings and Loan Association of Franklin-Conemaugh (FDIC Cert #31994) carries a PlainBankData health grade of F at 34/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,267 of 4,307. Tier 1 capital prints at 9.84%, missing the 10% well-capitalized line. The Texas Ratio is 10.16%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.21%. Balance-sheet scale is $179M, 3,160th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Gogebic Range Bank (MI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Slovenian Savings and Loan Associatio…
11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus
Slovenian Savings and Loan Association of Franklin-Conemaugh sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about Slovenian Savings and Loan Association of Franklin-Conemaugh's current Call Report.
- REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
- FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
- VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Pennsylvania banks.
How Slovenian Savings and Loan Association of Franklin-Conemaugh's 34/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (9.84%) 18/40
Return on Assets (ROA) (-0.21%) 0/25
Texas Ratio (10.16%) 16/20
Efficiency Ratio (107.26%) 0/15
34 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$164M
Customer-funded liabilities
Net Loans
$118M
Outstanding loan book
Net Income
$-364K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Slovenian Savings and Loan Association of Franklin-Conemaugh ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Slovenian Savings and Loan Association of Franklin-Conemaugh's score of 34/100 falls in the highlighted band.
Slovenian Savings and Loan Association of Franklin-Conemaugh: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
34 1st percentile higher than 1% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Slovenian Savings and Loan Association of Franklin-Conemaugh's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Slovenian Savings and Loan Association of Franklin-Conemaugh's $179M falls in the highlighted band.
Capital & credit buffers at Slovenian Savings and Loan Associatio…
Tier 1 capital ratio
Well-capitalized 10%
9.84% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.84%
Texas Ratio
10.16%
Equity Capital
$12M
Profitability metrics: Slovenian Savings and Loan Associatio…
Return on Assets (ROA)
4th percentile nationally
-0.21%
Return on Equity (ROE)
-3.21%
Efficiency Ratio
107.26%
Income & expense: loss period at Slovenian Savings and Loan Associatio…
$7M
Interest Income
$675K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Slovenian Savings and Loan Association of Franklin-Conemaugh reports a Texas Ratio of 10.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Slovenian Savings and Loan Association of Franklin-Conemaugh
Slovenian Savings and Loan Association of Franklin-Conemaugh's grade of F reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-364K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 9.84% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Slovenian Savings and Loan Association of Franklin-Conemaugh up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Pennsylvania by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($179M here), outside Pennsylvania so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Slovenian Savings and Loan Association of Franklin-Conemaugh (FDIC Cert #31994) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Slovenian Savings and Loan Association of Franklin-Conemaugh Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |