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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 $1.0MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $66.0M13%Noninterest $9.6MQ3 2024Q2 2026

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

Executive Summary

  • Earnings: ROA of 0.45%, up 13 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.13% of loans (-8 bps YoY), with net charge-offs at 0.04%.
  • 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.

Return on Assets (quarter, annualized)

0.45%+13 bps YoY

Net Interest Margin (quarter, annualized)

2.53%+29 bps YoY

Efficiency Ratio (quarter, annualized)

79.83%-334 bps YoY

Tier 1 Leverage Ratio

21.72%-7 bps YoY

NIM

3.49%Q2 ’243.57%Q2 ’253.70%Q2 ’26+6%+13%

Non-interest income vs. expense

1.95%Q2 ’241.99%Q2 ’252.15%Q2 ’26+2%+8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%-0.12%0.23%0.32%0.41%0.33%0.36%0.45%+13 bps
Return on Equity0.98%-0.59%1.15%1.58%1.96%1.57%1.74%2.17%+59 bps
Net Interest Margin2.08%2.11%2.14%2.24%2.34%2.43%2.44%2.53%+29 bps
Efficiency Ratio90.03%107.31%88.28%83.17%80.55%84.26%82.47%79.83%-334 bps
Non-Interest Burden1.86%2.28%1.87%1.84%1.83%2.02%1.99%1.99%+15 bps
Growth
Asset Growth (YoY)1.23%-0.59%-1.33%-2.51%0.66%3.42%0.84%1.97%+449 bps
Loan Growth (YoY)0.62%-0.79%-0.35%-1.60%-0.44%-1.21%-2.44%-2.83%-123 bps
Deposit Growth (YoY)-4.39%0.19%-0.50%0.55%4.16%4.16%1.08%0.17%-38 bps
Asset Quality
Nonperforming Loans / Loans0.64%0.24%0.51%0.21%0.46%0.18%0.26%0.13%-8 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.00%0.03%0.06%0.04%+3 bps
Allowance / Loans0.83%0.82%0.82%0.84%0.83%0.83%0.84%0.83%0 bps
Allowance Coverage of NPLs1.3x3.4x1.6x3.9x1.8x4.6x3.2x6.2x+2.3x
Capital
Tier 1 Leverage Ratio21.57%22.18%21.66%21.79%21.73%21.86%21.74%21.72%-7 bps
Total Risk-Based Capital21.57%22.18%21.66%21.79%21.73%21.86%21.74%21.72%-7 bps
Equity / Assets20.44%20.22%20.13%20.75%20.94%20.83%20.84%21.12%+37 bps
Liquidity & Funding
Loans / Deposits64.93%63.66%61.67%60.88%62.06%60.38%59.52%59.06%-182 bps
Liquid Assets / Assets5.04%4.35%6.36%3.77%2.84%6.01%6.65%7.76%+399 bps
CRE / Total Capitaln/an/an/an/a37.48%35.84%34.93%n/an/a