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Iron Workers Savings Bank

Aston, PA · Cert 28908 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

SI · FDIC · 3 branches

Q2 2026

$217.5MAssets
$164.9MLoans
$191.9MDeposits
$16.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 7 of 27).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 30 of 31).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.22%

Rank 27 of 31

Net Interest Margin

2.55%

Rank 27 of 31

Efficiency Ratio

88.80%

Rank 27 of 31

Equity / Assets

7.77%

Rank 27 of 31

Non-interest income vs. expense

$0.3M$5.1MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 16% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 88.80%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.22%0.63%0.93%2.39%Beats 13%27 / 31
Return on Equity2.80%4.15%7.07%14.29%Beats 13%27 / 31
Net Interest Margin2.55%2.72%3.26%3.84%Beats 13%27 / 31
Efficiency Ratio88.80%49.04%63.83%80.34%Beats 16%27 / 31
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.24%1.22%Beats 100%7 / 27
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%16 / 27
Capital
Tier 1 Capital Ratio9.13%13.01%19.43%42.39%Beats 3%30 / 31
Total Risk-Based Capital Ratio9.13%13.95%20.55%43.38%Beats 3%30 / 31
Equity / Assets7.77%9.21%12.36%21.28%Beats 13%27 / 31
Liquidity & Funding
Loans / Deposits85.93%52.41%83.15%99.86%55th pctl14 / 31
Loans / Assets75.83%37.80%67.87%79.23%61st pctl12 / 31
Brokered Deposits / Depositsn/aNot reported for this institution