Armstrong County Building and Loan Association
Ford City, PA · Cert 29471 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 1 branch
Q2 2026
$95.1MAssets
$66.0MLoans
$82.7MDeposits
$11.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: net interest margin trails 99% of banks under $1B in assets operating in a single state (rank 739 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.27%
Rank 680 of 746
Net Interest Margin
1.53%
Rank 739 of 746
Efficiency Ratio
78.73%
Rank 601 of 746
Equity / Assets
12.57%
Rank 213 of 746
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 20% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.27% | 0.72% | 1.06% | 1.45% | Beats 9% | 680 / 746 | |
| Return on Equity | 2.13% | 6.74% | 10.51% | 13.63% | Beats 9% | 680 / 746 | |
| Net Interest Margin | 1.53% | 3.17% | 3.68% | 4.16% | Beats 1% | 739 / 746 | |
| Efficiency Ratio | 78.73% | 55.74% | 64.58% | 75.47% | Beats 20% | 601 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.09% | 0.09% | 0.42% | 1.07% | Beats 24% | 562 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 28.13% | 11.55% | 13.75% | 17.60% | Beats 94% | 47 / 746 | |
| Total Risk-Based Capital Ratio | 29.00% | 11.71% | 14.33% | 18.43% | Beats 94% | 48 / 746 | |
| Equity / Assets | 12.57% | 8.90% | 10.51% | 13.06% | Beats 71% | 213 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 79.80% | 61.31% | 78.27% | 90.78% | 53rd pctl | 347 / 746 | |
| Loans / Assets | 69.42% | 53.60% | 66.97% | 76.08% | 56th pctl | 328 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |