Armstrong County Building and Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.33 percentage points higher than in Q1 2026, at 79.80%. Armstrong County Building and Loan Association ranks 96th of 109 Pennsylvania banks on return on assets, in the lower half at 0.40% (Q2 2026). Armstrong County Building and Loan Association's return on assets of 0.40% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.59 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 28.13% |
| Tier 1 risk-based capital ratio | 28.13% |
| Total risk-based capital ratio | 29.00% |
| Tier 1 leverage ratio | 12.50% |
| Equity capital to assets | 12.57% |
| Tangible equity to tangible assets | 12.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.89% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 6.58% |
| Allowance for credit losses to loans | 0.56% |
| Reserve coverage of non-performing loans | 62.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.40% |
| Return on equity | 3.19% |
| Net interest margin | 1.66% |
| Efficiency ratio | 71.44% |
| Yield on earning assets | 4.59% |
| Cost of funds | 3.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.80% |
| Core deposits to total deposits | 84.18% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.99% |
| Securities to assets | 26.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 32.08% | 32.08% | 33.18% | 13.02% | -0.54% |
| Q4 2023 | 30.65% | 30.65% | 31.72% | 13.07% | -0.09% |
| Q1 2024 | 31.12% | 31.12% | 32.20% | 12.96% | -0.50% |
| Q2 2024 | 30.36% | 30.36% | 31.41% | 12.82% | -0.41% |
| Q3 2024 | 30.88% | 30.88% | 31.93% | 12.57% | -0.03% |
| Q4 2024 | 27.76% | 27.76% | 28.57% | 12.15% | -0.43% |
| Q1 2025 | 29.85% | 29.85% | 30.76% | 12.07% | -0.08% |
| Q2 2025 | 28.18% | 28.18% | 29.02% | 12.20% | 0.14% |
| Q3 2025 | 29.65% | 29.65% | 30.52% | 12.19% | 0.25% |
| Q4 2025 | 27.72% | 27.72% | 28.57% | 12.27% | -0.00% |
| Q1 2026 | 28.99% | 28.99% | 29.89% | 12.37% | 0.13% |
| Q2 2026 | 28.13% | 28.13% | 29.00% | 12.50% | 0.40% |
Armstrong County Building and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Armstrong County Building and Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Armstrong County Building and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29471) · FFIEC NIC profile (RSSD 269571)