Armstrong County Building and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Armstrong County Building and Loan Association of Ford City, PA against its peer group of 536 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 | 0.40% | 3.33% | -2.93% | 23rd bottom |
| ROAE | 3.19% | 8.29% | -5.10% | 24th bottom |
| Net Interest Margin | 1.66% | 3.93% | -2.27% | 2nd bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 71.44% | 84.49% | -13.05% | 46th below |
| PPNR / Avg Assets | 0.46% | 1.56% | -1.10% | 19th bottom |
| Yield on Earning Assets | 4.59% | 5.24% | -0.65% | 26th below |
| Cost of Funds | 3.29% | 1.67% | +1.62% | 5th bottom |
| Net Interest Spread | 1.31% | 3.30% | -1.99% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.89% | 1.42% | -0.53% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.62% | 0.71% | -0.09% | 28th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 79th top |
| ACL / Total Loans | 0.56% | 1.53% | -0.97% | 4th bottom |
| ACL / NPLs (Coverage) | 62.20% | 723.22% | -661.02% | 25th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.58% | 8.56% | -1.98% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 28.13% | 127.05% | -98.92% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 28.13% | 127.06% | -98.93% | 64th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 29.00% | 127.95% | -98.95% | 64th above |
| Leverage Ratio | 12.50% | 22.10% | -9.60% | 44th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.57% | 20.74% | -8.17% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.57% | 20.49% | -7.92% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.80% | 74.25% | +5.55% | 31st below |
| Core Deposit Ratio | 84.18% | 88.31% | -4.13% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.99% | 3.83% | -4.82% | 27th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.52% | 6.85% | -1.33% | 62nd above |
| Deposit Growth (Y/Y) | 1.13% | 2.98% | -1.85% | 45th below |
See Armstrong County Building and Loan Association's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Armstrong County Building and Loan Association, 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 Armstrong County Building and Loan Association profile, how to read a UBPR, or how this data updates.