Altoona First Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Altoona First Savings Bank of Altoona, PA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.85% | 1.34% | -0.49% | 26th below |
| ROAE | 6.30% | 13.32% | -7.02% | 18th bottom |
| Net Interest Margin | 3.99% | 3.93% | +0.06% | 53rd above |
| Efficiency Ratio | 59.43% | 61.14% | -1.71% | 56th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.59% | 1.68% | -0.09% | 50th above |
| Yield on Earning Assets | 5.35% | 5.67% | -0.32% | 37th below |
| Cost of Funds | 1.55% | 1.88% | -0.33% | 66th above |
| Net Interest Spread | 3.55% | 3.32% | +0.23% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.87% | 0.94% | +1.93% | 7th bottom |
| NPA / Total Assets | 1.81% | 0.70% | +1.11% | 9th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.28% | -0.07% | 51st above |
| ACL / NPLs (Coverage) | 42.14% | 1539.19% | -1497.05% | 8th bottom |
| Texas Ratio | 12.41% | 7.33% | +5.08% | 17th bottom |
| Provision / NCO | 2461.54% | 1394.97% | +1066.57% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.14% | 12.14% | +2.00% | 82nd top |
| Equity / Assets | 13.80% | 11.37% | +2.43% | 83rd top |
| TCE / Tangible Assets | 13.80% | 11.09% | +2.71% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.16% | 80.64% | -6.48% | 63rd above |
| Core Deposit Ratio | 94.13% | 86.86% | +7.27% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.51% | 6.85% | -5.34% | 29th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.21% | 7.90% | -0.69% | 61st above |
| Deposit Growth (Y/Y) | -0.18% | 6.29% | -6.47% | 22nd bottom |
See Altoona First Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Altoona First Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Altoona First Savings Bank profile, how to read a UBPR, or how this data updates.