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Investment Savings Bank

Altoona, PA · Cert 30121

SI · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

89

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

15

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Investment Savings Bank

Altoona, PA · Cert 30121

SI · FDIC · 2 branches

Q2 2026

$105.2MAssets
$44.6MLoans
$75.5MDeposits
$22.2MEquity
Loan mix
97%RE $43.9M1%C&I $0.6M2%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $66.0M13%Noninterest $9.6MQ2 2025Q2 2026

NIM

3.42%Q2 ’243.52%Q2 ’253.66%Q2 ’26+6%+13%

Non-interest income vs. expense

2.02%Q2 ’242.01%Q2 ’252.15%Q2 ’26-1%+7%

Market Position · Altoona, PA · 2026 SOD (annual) · 1.9% share · #11 of 16 inst. · $0.1B of $4.1B

Executive Summary

  • Earnings: ROA of 0.41%, up 13 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.13% of loans (-8 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 21.72%, down 7 bps from a year ago.
  • Funding: loans stand at 59.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.41%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.48%+29 bps YoY

Efficiency Ratio (YTD, annualized)

81.13%-455 bps YoY

Tier 1 Leverage Ratio

21.72%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.32%0.32%0.36%0.41%+13 bps
Return on Equity1.36%1.57%1.57%1.74%1.95%+59 bps
Net Interest Margin2.19%2.23%2.29%2.44%2.48%+29 bps
Efficiency Ratio85.68%83.84%83.95%82.47%81.13%-455 bps
Non-Interest Burden1.86%1.84%1.89%1.99%1.98%+12 bps
Growth
Asset Growth (YoY)-2.51%0.66%3.42%0.84%1.97%+449 bps
Loan Growth (YoY)-1.60%-0.44%-1.21%-2.44%-2.83%-123 bps
Deposit Growth (YoY)0.55%4.16%4.16%1.08%0.17%-38 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.46%0.18%0.26%0.13%-8 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%0.05%+4 bps
Allowance / Loans0.84%0.83%0.83%0.84%0.83%0 bps
Allowance Coverage of NPLs3.9x1.8x4.6x3.2x6.2x+2.3x
Capital
Tier 1 Leverage Ratio21.79%21.73%21.86%21.74%21.72%-7 bps
Total Risk-Based Capital21.79%21.73%21.86%21.74%21.72%-7 bps
Equity / Assets20.75%20.94%20.83%20.84%21.12%+37 bps
Liquidity & Funding
Loans / Deposits60.88%62.06%60.38%59.52%59.06%-182 bps
Liquid Assets / Assets3.77%2.84%6.01%6.65%7.76%+399 bps
CRE / Total Capitaln/a37.48%35.84%34.93%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Investment Savings Bank

Altoona, PA · Cert 30121 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 2 branches

Q2 2026

$105.2MAssets
$44.6MLoans
$75.5MDeposits
$22.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 96% of banks under $1B in assets operating in a single state (rank 28 of 746).
  • Widest gap: net interest margin trails 94% of banks under $1B in assets operating in a single state (rank 699 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.41%

Rank 646 of 746

Net Interest Margin

2.48%

Rank 699 of 746

Efficiency Ratio

81.13%

Rank 634 of 746

Equity / Assets

21.12%

Rank 28 of 746

Non-interest income vs. expense

$0.2M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 15% of banks under $1B in assets operating in a single state
Bank 81.13%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.41%0.72%1.06%1.45%Beats 13%646 / 746
Return on Equity1.94%6.74%10.51%13.63%Beats 8%685 / 746
Net Interest Margin2.48%3.17%3.68%4.16%Beats 6%699 / 746
Efficiency Ratio81.13%55.74%64.58%75.47%Beats 15%634 / 746
Asset Quality
Nonperforming Loans / Loans0.13%0.09%0.42%1.07%Beats 72%212 / 743
Net Charge-Offs / Loans0.07%0.00%0.01%0.05%Beats 19%604 / 743
Capital
Tier 1 Capital Ratio21.72%11.55%13.75%17.60%Beats 86%103 / 746
Total Risk-Based Capital Ratio21.72%11.71%14.33%18.43%Beats 84%117 / 746
Equity / Assets21.12%8.90%10.51%13.06%Beats 96%28 / 746
Liquidity & Funding
Loans / Deposits59.06%61.31%78.27%90.78%21st pctl591 / 746
Loans / Assets42.39%53.60%66.97%76.08%12th pctl655 / 746
Brokered Deposits / Depositsn/aNot reported for this institution