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.
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.
Slovenian Savings and Loan Association of Franklin-Conemaugh's 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'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.
Safety metrics
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
Return on Assets (ROA)
4th percentile nationally
-0.21%
Return on Equity (ROE)
-3.21%
Efficiency Ratio
107.26%
What the numbers say about Slovenian Savings and Loan Association of Franklin-Conemaugh
Slovenian Savings and Loan Association of Franklin-Conemaugh is an FDIC-insured institution (Certificate #31994) headquartered in Conemaugh, Pennsylvania, established in 1915. It holds $179M in total assets - 3,160th of 4,313 FDIC-insured banks, $164M in customer deposits, and $118M in net loans. Its capital position: a Tier 1 ratio of 9.84%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 10.16% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of F (34 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Slovenian Savings and Loan Association of Franklin-Conemaugh sits 96th of 112 banks headquartered in Pennsylvania by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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
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.
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% |
Frequently asked questions
What is Slovenian Savings and Loan Association of Franklin-Conemaugh's health grade?▼
Slovenian Savings and Loan Association of Franklin-Conemaugh receives a health grade of F (34/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Slovenian Savings and Loan Association of Franklin-Conemaugh?▼
Slovenian Savings and Loan Association of Franklin-Conemaugh holds $179M in total assets and $164M in deposits, ranking 3,160th of 4,313 FDIC-insured banks by asset size. It is headquartered in Conemaugh, Pennsylvania.
Is my money safe at Slovenian Savings and Loan Association of Franklin-Conemaugh?▼
Yes, deposits at Slovenian Savings and Loan Association of Franklin-Conemaugh (Certificate #31994) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Slovenian Savings and Loan Association of Franklin-Conemaugh's Tier 1 Capital Ratio?▼
Slovenian Savings and Loan Association of Franklin-Conemaugh has a Tier 1 Capital Ratio of 9.84%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Slovenian Savings and Loan Association of Franklin-Conemaugh?▼
Slovenian Savings and Loan Association of Franklin-Conemaugh has a Texas Ratio of 10.16%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Slovenian Savings and Loan Association of Franklin-Conemaugh?▼
Slovenian Savings and Loan Association of Franklin-Conemaugh has an Efficiency Ratio of 107.26%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Slovenian Savings and Loan Association of Franklin-Conemaugh's profile as a depositor or analyst.
- Slovenian Savings and Loan Association of Franklin-Conemaugh's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Slovenian Savings and Loan Association of Franklin-Conemaugh against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.