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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 $0.7MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $82.7M0%Noninterest $0.0MQ3 2024Q2 2026

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

Executive Summary

  • Earnings: ROA of 0.27%, up 24 bps year over year; NIM at 1.53%.
  • Asset quality: problem loans at 1.09% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (YTD, annualized)

0.27%+24 bps YoY

Net Interest Margin (YTD, annualized)

1.53%+56 bps YoY

Efficiency Ratio (YTD, annualized)

78.73%-2,448 bps YoY

Tier 1 Leverage Ratio

12.50%+29 bps YoY

NIM

3.67%Q2 ’244.14%Q2 ’254.43%Q2 ’26+36%+58%

Non-interest income vs. expense

1.14%Q2 ’241.07%Q2 ’251.25%Q2 ’26-7%+19%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.31%-0.34%-0.08%0.03%10.10%0.07%0.13%0.27%+24 bps
Return on Equity-2.41%-2.68%-0.68%0.22%0.83%0.61%1.08%2.14%+192 bps
Net Interest Margin0.69%0.71%0.82%0.97%1.06%1.10%1.44%1.53%+56 bps
Efficiency Ratio146.25%138.02%116.67%103.21%95.58%94.80%86.07%78.73%-2,448 bps
Non-Interest Burden1.04%1.00%0.97%1.00%1.01%1.04%1.24%1.19%+19 bps
Growth
Asset Growth (YoY)3.42%5.91%4.86%3.47%1.53%-2.19%-0.63%-0.99%-445 bps
Loan Growth (YoY)12.12%10.67%11.30%13.18%9.25%7.44%6.09%5.52%-765 bps
Deposit Growth (YoY)-1.23%1.81%3.34%4.20%6.12%3.86%2.85%1.13%-306 bps
Asset Quality
Nonperforming Loans / Loans1.12%1.10%1.15%1.06%1.01%1.03%1.04%1.09%+2 bps
Net Charge-Offs / Loans0.00%0.11%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.68%0.57%0.59%0.56%0.53%0.56%0.57%0.56%0 bps
Allowance Coverage of NPLs0.6x0.5x0.5x0.5x0.5x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio12.57%12.15%12.07%12.20%12.19%12.27%12.37%12.50%+29 bps
Total Risk-Based Capital31.93%28.57%30.76%29.02%30.52%28.57%29.89%29.00%-2 bps
Equity / Assets12.38%12.04%12.12%12.25%12.16%12.38%12.33%12.57%+32 bps
Liquidity & Funding
Loans / Deposits76.12%74.89%74.13%76.48%78.37%77.47%76.47%79.80%+332 bps
Liquid Assets / Assets32.45%33.19%32.07%29.43%27.81%28.42%29.24%26.53%-290 bps
CRE / Total Capitaln/an/an/an/a26.89%22.60%25.20%n/an/a