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
Unfavorable gap of $2.1M · efficiency ratio beats 15% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.41% | 0.72% | 1.06% | 1.45% | Beats 13% | 646 / 746 | | |
| Return on Equity | 1.94% | 6.74% | 10.51% | 13.63% | Beats 8% | 685 / 746 | | |
| Net Interest Margin | 2.48% | 3.17% | 3.68% | 4.16% | Beats 6% | 699 / 746 | | |
| Efficiency Ratio | 81.13% | 55.74% | 64.58% | 75.47% | Beats 15% | 634 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.42% | 1.07% | Beats 72% | 212 / 743 | | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 19% | 604 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 21.72% | 11.55% | 13.75% | 17.60% | Beats 86% | 103 / 746 | | |
| Total Risk-Based Capital Ratio | 21.72% | 11.71% | 14.33% | 18.43% | Beats 84% | 117 / 746 | | |
| Equity / Assets | 21.12% | 8.90% | 10.51% | 13.06% | Beats 96% | 28 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.06% | 61.31% | 78.27% | 90.78% | 21st pctl | 591 / 746 | | |
| Loans / Assets | 42.39% | 53.60% | 66.97% | 76.08% | 12th pctl | 655 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |