Altoona First Savings Bank
Altoona, PA · Cert 27711 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 5 branches
Q2 2026
$328.6MAssets
$206.7MLoans
$278.8MDeposits
$45.3MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 79% of banks under $1B in assets operating in a single state (rank 153 of 746).
- Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets operating in a single state (rank 701 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.88%
Rank 471 of 746
Net Interest Margin
3.65%
Rank 381 of 746
Efficiency Ratio
62.80%
Rank 333 of 746
Equity / Assets
13.80%
Rank 153 of 746
Non-interest income vs. expense
Unfavorable gap of $7.2M · efficiency ratio beats 55% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.72% | 1.06% | 1.45% | Beats 37% | 471 / 746 | | |
| Return on Equity | 6.38% | 6.74% | 10.51% | 13.63% | Beats 23% | 573 / 746 | | |
| Net Interest Margin | 3.65% | 3.17% | 3.68% | 4.16% | Beats 49% | 381 / 746 | | |
| Efficiency Ratio | 62.80% | 55.74% | 64.58% | 75.47% | Beats 55% | 333 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.87% | 0.09% | 0.42% | 1.07% | Beats 6% | 701 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 41% | 439 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.14% | 11.55% | 13.75% | 17.60% | Beats 53% | 348 / 746 | | |
| Total Risk-Based Capital Ratio | 14.14% | 11.71% | 14.33% | 18.43% | Beats 48% | 388 / 746 | | |
| Equity / Assets | 13.80% | 8.90% | 10.51% | 13.06% | Beats 79% | 153 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.16% | 61.31% | 78.27% | 90.78% | 43rd pctl | 425 / 746 | | |
| Loans / Assets | 62.91% | 53.60% | 66.97% | 76.08% | 41st pctl | 443 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |