Compared with Pennsylvania
2 of 12
compared fees are above the median.
5 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
1st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Pennsylvania median
of 12 compared; 5 below, 5 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Westmoreland Federal Savings and Loan Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Westmoreland Federal Savings and Loan Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.1% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (1st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $1K in Q2 2026, about level with the same quarter a year earlier ($1K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 12 compared published fees sit above the Pennsylvania median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Pennsylvania medians for fees published by banks and credit unions.
Cashier's Check
Monthly Maintenance
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was $1K in Q2 2026. Its share of revenue, 0.1%, is below the 2.1% median for banks with under $300M in assets.
$1K
Westmoreland Federal Savings and Loan AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Westmoreland Federal Savings and Loan Association · $167M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Westmoreland Federal Savings and Loan Association(this institution) | Latrobe, PA | $167M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| American Bank of Baxter Springs | Baxter Springs, KS | $170M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Auburn Banking Company | Auburn, KY | $164M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of Belle Glade | Belle Glade, FL | $160M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Brickyard Bank | Lincolnwood, IL | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Carson Community Bank | Stilwell, OK | $167M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Bank and Trust of Lebanon, Inc. | Lebanon, KY | $173M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Commercial Trust Company of Fayette | Fayette, MO | $164M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers and Merchants Bank | Sylvania, GA | $171M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers National Bank | Phillipsburg, KS | $173M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank | Sterling, KS | $162M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings and Loan Association of Greensburg | Greensburg, IN | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First New Mexico Bank, Las Cruces | Las Cruces, NM | $172M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Home Federal Savings and Loan Association of Niles | Niles, OH | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Millville Savings Bank | Millville, NJ | $170M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Normangee State Bank | Normangee, TX | $165M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| North Central Bank | Hennepin, IL | $166M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Security Bank and Trust Company | Miami, OK | $167M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security Bank of Pulaski County | Saint Robert, MO | $163M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sharon Bank | Springfield, PA | $173M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank & Trust Company | Golden Meadow, LA | $165M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Reeseville | Reeseville, WI | $170M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Goose River Bank | Mayville, ND | $173M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Warrington Bank | Pensacola, FL | $174M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Twin River Bank | Lewiston, ID | $173M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Utah Independent Bank | Salina, UT | $171M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $7.75 among 9 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Westmoreland Federal Savings and Loan Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1K | +$1K | |
| Q1 2026 | $0 | −$1K | −100.0% |
| Q4 2025 | $1K | +$1K | |
| Q3 2025 | $0 | −$1K | −100.0% |
| Q2 2025 | $1K | +$1K | |
| Q1 2025 | $0 | −$1K | −100.0% |
| Q4 2024 | $1K | +$1K | |
| Q3 2024 | $0 | $0 |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Westmoreland Federal Savings and Loan Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Westmoreland Federal Savings and Loan Association by share.
Amounts from Westmoreland Federal Savings and Loan Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Continuous Overdraft (per day) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Account Overdraft Daily Cap (audience not stated, treated as personal) | $100Inside the U.S. middle 50% ($100 to $161.25 nationally) | per day | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Westmoreland Federal Savings and Loan Association operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $120.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $120.9M |
Pittsburgh, PA
0.1% of bank deposits, #35 of 48, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| PNC Bank, National Association | 47.2% |
| BNY Mellon, National Association | 12.4% |
| TriState Capital Bank | 10.7% |
| First National Bank of Pennsylvania | 5.5% |
| Citizens Bank, National Association | 4.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Pittsburgh, PA, Westmoreland Federal Savings and Loan Association holds 0.1% of bank deposits, #35 of 48, with 1 office.
878 offices of 129 institutions shown.
Showing 878 of 879 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 48 institutions shown. $209.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.1% share, 1 office, #35 of 48
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
208 offices of 92 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC
The OCC has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts