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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

Dollar Bank FSB

Pittsburgh, Pennsylvania · $12.70B in assets · beside the 7 other Pennsylvania banks over $10B

The filing

99.0%
Loans / deposits
8th of 8
0.61%
ROA
8th of 8
72.8%
Efficiency
8th of 8

Dollar Bank FSB is the seventh largest of the 8 Pennsylvania banks over $10B, with $12.70B in assets at 30 June 2026. Loans are 99.0% of deposits, the highest in the cohort against a median of 90.5%, and equity is 10.3% of assets, 6th of 8. Loans grew +5.8% in the year, 4th of 8, and deposits grew 2.1%; the cohort's median loan growth is +4.5%.

Noncurrent loans are 0.72% of the book, 7th of 8 against a median of 0.54%; 0.49% is 30 to 89 days past due, and the allowance covers them 1.3 times. Commercial real estate is 25.0% of loans, 5th of 8 against a median of 24.6%, and 168% of capital, below the 300% screen, with construction at 41% against the 100% screen.

Return on assets is 0.61%, the lowest in the cohort against a median of 1.18%, on an efficiency ratio of 72.8%, the highest in the cohort. Five years ago it was 0.39%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsPA banks over $10B · 30 June 2026 · lower is stronger, listed first
median 90.5% BM BNY Mellon National Association 71.4% CB Customers Bank 82.4% TC Tristate Capital Bank 87.3% FB Fulton Bank National Association 89.0% FC First Commonwealth Bank 92.0% NB Northwest Bank 92.1% FN First National Bank of Pennsylvania 92.2% DB Dollar Bank FSB 99.0%
Loans, year over yearPA banks over $10B · 30 June 2026 · no better direction, largest first
median +4.5% TC Tristate Capital Bank +23.5% CB Customers Bank +16.9% NB Northwest Bank +16.6% DB Dollar Bank FSB +5.8% FN First National Bank of Pennsylvania +3.1% FB Fulton Bank National Association +1.5% FC First Commonwealth Bank -1.1% BM BNY Mellon National Association -1.2%

SBA 7(a), FY2008 to FY2026

Dollar Bank FSB is the 71st largest 7(a) lender into Pennsylvania of 374, with $26M across 193 loans, 0.2% of everything approved in the state (The Huntington National Bank leads with $747M). 20 of its 20 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Pennsylvania, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Allegheny, PA$13M15th of 1401.0%quiet FY2020
Westmoreland, PA$9M8th of 742.7%quiet FY2020
Cuyahoga, OH$3M63rd of 1450.2%quiet FY2019
Allegany, MD$2M8th of 265.1%quiet FY2016
Washington, PA$1M26th of 600.8%quiet FY2021
Greene, PA$1M7th of 196.4%quiet FY2010
Butler, PA$1M27th of 590.5%quiet FY2020
Saint Louis, MO$960K118th of 1780.1%quiet FY2009
Lorain, OH$905K48th of 690.3%quiet FY2019
Medina, OH$511K43rd of 570.2%quiet FY2014
Lake, OH$457K53rd of 730.1%quiet FY2016
Armstrong, PA$317K14th of 171.1%quiet FY2013
Portage, OH$233K52nd of 610.1%quiet FY2015
7 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing22$6M17.0%0.02%622nd of 2,246
Accommodation & food services25$5M12.8%0.01%857th of 2,596
Construction41$4M12.0%0.01%630th of 2,063
Retail trade28$4M10.9%0.01%826th of 2,589
Transportation & warehousing9$3M9.6%0.03%408th of 1,563
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and Dollar Bank FSB
TH The Huntington National Bank 6.0% $747M · 3,723 loans WS Wilmington Savings Fund Society F… 5.3% $655M · 959 loans LO Live Oak Banking Company 4.9% $615M · 509 loans FB Fulton Bank, National Association 4.3% $533M · 636 loans BB Beacon Bank and Trust 4.2% $526M · 572 loans FC First Commonwealth Bank 4.0% $498M · 978 loans Ma Manufacturers and Traders Trust C… 3.6% $451M · 3,808 loans MB Meridian Bank 3.0% $373M · 416 loans TB TD Bank, National Association 2.8% $349M · 2,613 loans PB PNC Bank, National Association 2.6% $318M · 1,532 loans DB Dollar Bank, A Federal Savings Ba… 0.2% $26M · 193 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Dollar Bank FSBRankCohort median
Total CRE against capital, the 300% screen168%4th of 8172%
Construction against capital, the 100% screen41%7th of 818%
Construction and land development, share of loans6.1%7th of 82.4%
Non-owner-occupied nonfarm nonresidential, share of loans15.2%6th of 812.6%
Total CRE, the guidance definition, share of loans25.0%5th of 824.6%
CRE growth over 36 months, the third prong+42.6%8th of 8+13.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First National Bank of Pennsylvania$50.80B1.2%53.2%0.38%0.19%1.2%92.2%13.4%
Fulton Bank National Association$32.56B1.3%58.9%0.71%0.30%1.5%89.0%11.0%
BNY Mellon National Association$30.62B0.9%71.5%0.06%0.00%0.1%71.4%11.6%
Customers Bank$26.50B1.2%48.9%0.33%0.31%0.9%82.4%8.8%
Tristate Capital Bank$24.26B0.7%47.8%0.30%0.13%0.3%87.3%7.0%
Northwest Bank$17.21B1.3%56.6%0.69%0.15%1.1%92.1%11.6%
Dollar Bank FSB$12.70B0.6%72.8%0.72%0.08%1.0%99.0%10.3%
First Commonwealth Bank$12.18B1.4%53.6%0.89%0.41%1.3%92.0%12.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Dollar Bank FSBCohort median
20212026Change20212026Change
Loans$7.15B$9.91B+39%$13.64B$18.30B+34%
Deposits$8.43B$10.01B+19%$13.19B$22.10B+68%
NPA / loans1.08%0.72%-0.36 pts0.61%0.54%-0.07 pts
Efficiency79.4%72.8%-6.6 pts56.9%55.1%-1.8 pts
ROA0.39%0.61%+0.22 pts1.10%1.18%+0.07 pts

This read was prepared for Dollar Bank FSB's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Dollar Bank FSB is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks over $10B
Institution www.dollar.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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