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Armstrong County Building and Loan Association

Ford City, PA · Cert 29471

SI · FDIC · 1 branch

Q2 2026

$95.1MAssets
$66.0MLoans
$82.7MDeposits
$11.9MEquity
Loan mix
99%RE $63.6M0%C&I $0.0M1%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $82.7M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

3.73%Q2 ’244.22%Q2 ’254.47%Q2 ’26+54%+45%

Non-interest income vs. expense

1.12%Q2 ’241.09%Q2 ’251.20%Q2 ’26-3%+12%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.0% share · #39 of 48 inst. · $0.1B of $209.3B

Executive Summary

  • Earnings: ROA of 0.40%, up 26 bps year over year; NIM at 1.61%.
  • Asset quality: problem loans at 1.09% of loans (+2 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.50%, up 29 bps from a year ago.
  • Funding: loans stand at 79.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.40%+26 bps YoY

Net Interest Margin (quarter, annualized)

1.61%+50 bps YoY

Efficiency Ratio (quarter, annualized)

72.11%-2,080 bps YoY

Tier 1 Leverage Ratio

12.50%+29 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.25%0.00%0.13%0.40%+26 bps
Return on Equity1.12%2.03%-0.03%1.08%3.19%+207 bps
Net Interest Margin1.11%1.25%1.20%1.44%1.61%+50 bps
Efficiency Ratio92.91%83.60%92.67%86.07%72.11%-2,080 bps
Non-Interest Burden1.02%1.04%1.10%1.24%1.15%+12 bps
Growth
Asset Growth (YoY)3.47%1.53%-2.19%-0.63%-0.99%-445 bps
Loan Growth (YoY)13.18%9.25%7.44%6.09%5.52%-765 bps
Deposit Growth (YoY)4.20%6.12%3.86%2.85%1.13%-306 bps
Asset Quality
Nonperforming Loans / Loans1.06%1.01%1.03%1.04%1.09%+2 bps
Net Charge-Offs / Loans-0.01%0.00%-0.01%0.00%-0.01%0 bps
Allowance / Loans0.56%0.53%0.56%0.57%0.56%0 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio12.20%12.19%12.27%12.37%12.50%+29 bps
Total Risk-Based Capital29.02%30.52%28.57%29.89%29.00%-2 bps
Equity / Assets12.25%12.16%12.38%12.33%12.57%+32 bps
Liquidity & Funding
Loans / Deposits76.48%78.37%77.47%76.47%79.80%+332 bps
Liquid Assets / Assets29.43%27.81%28.42%29.24%26.53%-290 bps
CRE / Total Capitaln/a26.89%22.60%25.20%n/an/a