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Altoona First Savings Bank

Altoona, PA · Cert 27711

SI · FDIC · 5 branches

Q2 2026

$328.6MAssets
$206.7MLoans
$278.8MDeposits
$45.3MEquity
Loan mix
92%RE $185.6M5%C&I $9.8M3%Consumer $7.0MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $236.9M15%Noninterest $41.9MQ2 2025Q2 2026

NIM

4.66%Q2 ’244.77%Q2 ’254.98%Q2 ’26+3%+10%

Non-interest income vs. expense

2.58%Q2 ’242.53%Q2 ’252.47%Q2 ’26-1%-5%

Market Position · Altoona, PA · 2026 SOD (annual) · 4.8% share · #6 of 16 inst. · $0.2B of $4.1B

4.8% Blair
7.4% Bedford

Executive Summary

  • Earnings: ROA of 0.86%, up 10 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 2.87% of loans (+97 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 14.14%, up 53 bps from a year ago.
  • Funding: loans stand at 74.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.86%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+35 bps YoY

Efficiency Ratio (quarter, annualized)

60.94%-822 bps YoY

Tier 1 Leverage Ratio

14.14%+53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.87%0.92%0.89%0.86%+10 bps
Return on Equity6.07%6.81%6.93%6.64%6.30%+23 bps
Net Interest Margin3.33%3.55%3.65%3.61%3.68%+35 bps
Efficiency Ratio69.15%67.64%69.16%64.72%60.94%-822 bps
Non-Interest Burden2.19%2.31%2.35%2.22%2.09%-10 bps
Growth
Asset Growth (YoY)5.97%4.75%5.59%4.09%1.51%-446 bps
Loan Growth (YoY)3.83%7.55%8.41%9.59%7.21%+338 bps
Deposit Growth (YoY)5.86%4.79%4.38%3.02%-0.18%-604 bps
Asset Quality
Nonperforming Loans / Loans1.90%2.30%1.61%1.95%2.87%+97 bps
Net Charge-Offs / Loans0.24%1.50%0.32%-0.01%0.06%-18 bps
Allowance / Loans1.30%0.93%0.94%1.05%1.21%-9 bps
Allowance Coverage of NPLs0.7x0.4x0.6x0.5x0.4x-0.3x
Capital
Tier 1 Leverage Ratio13.61%13.77%13.84%13.91%14.14%+53 bps
Total Risk-Based Capital13.61%13.77%13.84%13.91%14.14%+53 bps
Equity / Assets12.44%13.09%13.35%13.38%13.80%+136 bps
Liquidity & Funding
Loans / Deposits69.05%71.08%71.16%70.70%74.16%+511 bps
Liquid Assets / Assets6.46%4.90%5.11%6.45%3.99%-247 bps
CRE / Total Capitaln/a213%213%213%n/an/a