Armstrong County Building and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Armstrong County Building and Loan Association is an FDIC-insured savings bank headquartered in Ford City, PA, established in 1925 (FDIC certificate 29471), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $95.1M, down 1.0% from Q2 2025, the 102nd largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 28.13% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29471
- Headquarters
- Ford City, PA
- Established
- 1925
- Total assets, Q2 2026
- $95.1M
- Assets vs Q2 2025
- -1.0%
- CET1 ratio, Q2 2026
- 28.13%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 243373280
- Latest call report
- Q2 2026, FFIEC 051 · Armstrong County Building and Loan Association call report
- Asset rank in state
- 102nd of 109 in Pennsylvania
Armstrong County Building and Loan Association, based in Ford City, Pennsylvania, reported $95 million in assets at June 30, 2026. It keeps 1.66 cents of net interest income on every dollar of earning assets, about half the median of 3.87 cents for the 583 banks with less than $100 million in assets. It also pays an average of 3.29% on its deposits and borrowings, about double the median of 1.53% for banks its size.
Earnings jumped: net income for the quarter was $95,000, 188% above the same quarter a year earlier. Over the same year, loans grew 5.5% and deposits grew 1.1%. Profitability lags: it earns about $0.40 a year on every $100 of assets, about a third the median of $1.06 for banks its size.
As of June 30, 2026, Armstrong County Building and Loan Association reported a CET1 capital ratio of 28.13%, a return on assets of 0.40%, a nonperforming-loan ratio of 1.09% and a Texas ratio of 5.82%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Armstrong County Building and Loan Association is the 102nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.2% to $95.1M, loans rose 2.9% and deposits fell 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 96.3% of total loans, ahead of construction and land development loans at 1.2%. Its one office in the FDIC Summary of Deposits is in Ford City, PA. Judged on its Q2 2026 call report, Armstrong County Building and Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 935 5th Ave, Ford City, PA 16226
- County
- Armstrong
- Metro Area
- Pittsburgh, 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 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1925
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $82.7M
- Allowance for credit losses
- $367K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $95.6M
- Average total loans
- $65.1M
- Average interest-bearing deposits
- $83.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29471
- Fed RSSD
- 269571
- Website
- www.acbla.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Armstrong County Building and Loan Association's total assets moved between a low of $92.2M (Q4 2023) and a high of $97.6M (Q4 2024) from Q3 2023 to Q2 2026, and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$95.1M total assets against $96.0M; $83.1M total liabilities against $84.3M.
$65.6M net loans and leases against $62.2M; $82.7M total deposits against $81.8M.
$24.9M securities against $28.8M; $2.2M cash and balances due against $2.3M.
$1.1M total interest income against $1.0M; $684K total interest expense against $750K.
$385K net interest income against $267K.
$13K total noninterest income against $15K; $287K total noninterest expense against $262K.
$0 provision for credit losses against -$8K.
$95K net income against $33K.
0.40% return on assets against 0.14%; 1.66% net interest margin against 1.15%.
28.13% CET1 capital ratio against 28.18%; 12.50% tier 1 leverage ratio against 12.20%.
Inside the full Armstrong County Building and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Armstrong County Building and Loan Association rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.43% (Q4 2024) to 0.40% (Q2 2026) and its net interest margin ran from 0.70% (Q3 2024) to 1.66% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.13% | 0.40% | 1.09% | 5.82% | 1.66% |
| Q1 2026 | 28.99% | 0.13% | 1.04% | 5.43% | 1.50% |
| Q4 2025 | 27.72% | 0.00% | 1.03% | 5.47% | 1.24% |
| Q3 2025 | 29.65% | 0.25% | 1.01% | 5.42% | 1.33% |
| Q2 2025 | 28.18% | 0.14% | 1.06% | 5.48% | 1.15% |
| Q1 2025 | 29.85% | -0.08% | 1.15% | 5.77% | 0.84% |
| Q4 2024 | 27.76% | -0.43% | 1.10% | 5.43% | 0.84% |
| Q3 2024 | 30.88% | -0.03% | 1.12% | 5.44% | 0.70% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Armstrong County Building and Loan Association (main office) | Ford City , PA | 16226 | $82.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- October 25, 2010, OCC (former OTS): Civil Money Penalty: Armstrong County Building and Loan Association
- Period: Most recent institution action October 25, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 129 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Armstrong County Building and Loan Association
What are Armstrong County Building and Loan Association's total assets?
As of the Q2 2026 filing, Armstrong County Building and Loan Association reported total assets of $95.1 million in its FFIEC call report.
Where is Armstrong County Building and Loan Association headquartered?
It is headquartered in Ford City, PA, United States.
When was Armstrong County Building and Loan Association founded?
It was established in 1925, per the FDIC institution directory.
Is Armstrong County Building and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29471). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Armstrong County Building and Loan Association?
Armstrong County Building and Loan Association's primary federal regulator is the FDIC.
What is Armstrong County Building and Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 28.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Armstrong County Building and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Armstrong County Building and Loan Association's Texas Ratio?
Its Texas Ratio is 5.82% 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.
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