Altoona First Savings Bank
BankRegReports is independent of Altoona First Savings Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Altoona First Savings Bank is an FDIC-insured savings bank headquartered in Altoona, PA, established in 1927 (FDIC certificate 27711), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $328.6M, up 1.5% from Q2 2025, the 83rd largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.14% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27711
- Headquarters
- Altoona, PA
- Established
- 1927
- Total assets, Q2 2026
- $328.6M
- Assets vs Q2 2025
- +1.5%
- Tier 1 leverage ratio, Q2 2026
- 14.14%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 231371595
- Latest call report
- Q2 2026, FFIEC 051 · Altoona First Savings Bank call report
- Asset rank in state
- 83rd of 109 in Pennsylvania
Problem loans are rising at Altoona First Savings Bank. Based in Altoona, Pennsylvania, it had $329 million in assets at June 30, 2026, up 1.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.87% of loans from 1.90% a year earlier. It carries problem assets equal to 12.4% of the capital and reserves that would absorb them, 4.7 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also returns 6.3% a year on shareholders' equity, about half the median of 12.5% for banks its size.
Its $34 million non-owner-occupied commercial real estate book is improving, with 3.25% past due or on nonaccrual, down from 8.58% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 7.2% and deposits fell 0.2%.
As of June 30, 2026, Altoona First Savings Bank reported a return on assets of 0.85%, a nonperforming-loan ratio of 2.87% and a Texas ratio of 12.41%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Altoona First Savings Bank is the 83rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.8% to $328.6M, loans rose 2.2% and deposits fell 2.6%. 1-4 family residential loans made up 42.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.0%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in PA; its Altoona office books 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, Altoona First Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 203 N Logan Blvd, Altoona, PA 16602
- County
- Blair
- Metro Area
- Altoona, PA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1927
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $278.8M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $26K
- Average total assets
- $332.8M
- Average total loans
- $205.6M
- Average interest-bearing deposits
- $235.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27711
- Fed RSSD
- 777870
- Website
- www.altoonabank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Altoona First Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Altoona First Savings Bank's total assets moved between a low of $304.3M (Q3 2023) and a high of $334.7M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$328.6M total assets against $323.7M; $283.3M total liabilities against $283.5M.
$204.2M net loans and leases against $190.3M; $278.8M total deposits against $279.3M.
$91.3M securities against $91.8M; $15.0M cash and balances due against $22.9M.
$4.1M total interest income against $3.8M; $1.1M total interest expense against $1.2M.
$3.1M net interest income against $2.7M.
$320K total noninterest income against $267K; $2.1M total noninterest expense against $2.0M.
$415K provision for credit losses against $55K.
$710K net income against $609K.
0.85% return on assets against 0.76%; 3.99% net interest margin against 3.53%.
14.14% tier 1 leverage ratio against 13.61%.
Inside the full Altoona First Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAltoona First Savings Bank rankings
Its closest position to the top of a national ranking is 451 of 3,640, for Texas Ratio; its furthest is 2,797 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.66% (Q4 2024) to 0.91% (Q4 2025) and its net interest margin ran from 3.42% (Q1 2025) to 3.99% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.14% | 0.85% | 2.87% | 12.41% | 3.99% |
| Q1 2026 | 13.91% | 0.88% | 1.95% | 8.39% | 3.91% |
| Q4 2025 | 13.84% | 0.91% | 1.61% | 7.04% | 3.95% |
| Q3 2025 | 13.77% | 0.87% | 2.30% | 10.51% | 3.79% |
| Q2 2025 | 13.61% | 0.76% | 1.90% | 9.02% | 3.53% |
| Q1 2025 | 13.58% | 0.74% | 1.33% | 6.68% | 3.42% |
| Q4 2024 | 13.60% | 0.66% | 0.32% | 2.37% | 3.45% |
| Q3 2024 | 13.57% | 0.70% | 0.12% | 1.43% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Altoona First Savings Bank (main office) | Altoona , PA | 16602 | $93.2M |
| 601 East Allegheny Street Branch | Martinsburg , PA | 16662 | $71.5M |
| 100 W. Pitt Street Branch | Bedford , PA | 15522 | $69.3M |
| Duncansville Office | Duncansville , PA | 16635 | $29.5M |
| Everett Office | Everett , PA | 15537 | $15.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- October 1, 1992, OCC (former OTS): Civil Money Penalty: Altoona Federal Savings Bank
- Period: Most recent institution action October 1, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 101 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $530K approved, $88K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Altoona First Savings Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Altoona First Savings Bank with peers
Frequently asked about Altoona First Savings Bank
What are Altoona First Savings Bank's total assets?
As of the Q2 2026 filing, Altoona First Savings Bank reported total assets of $328.6 million in its FFIEC call report.
Where is Altoona First Savings Bank headquartered?
It is headquartered in Altoona, PA, United States.
When was Altoona First Savings Bank founded?
It was established in 1927, per the FDIC institution directory.
Is Altoona First Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #27711). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Altoona First Savings Bank?
Altoona First Savings Bank's primary federal regulator is the FDIC.
How many branches does Altoona First Savings Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Altoona First Savings Bank's Texas Ratio?
Its Texas Ratio is 12.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Altoona First Savings Bank.
Get an email when Altoona First Savings Bank files its next call report, and benchmark it against any peer you choose.
Unlock Altoona First Savings Bank, freeFree account