Bank Comparison
Altoona First Savings Bank vs Bank of 1889
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Altoona First Savings Bank | Bank of 1889 |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.91% | 11.10% |
| Equity / Assets | 13.38% | 11.04% |
Profitability
| Metric | Altoona First Savings Bank | Bank of 1889 |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.88% |
| Return on Equity (ROE) | 6.64% | 17.21% |
| Net Interest Margin (NIM) | 3.91% | 5.91% |
| Yield on Earning Assets | 5.29% | 6.82% |
| Cost of Funds | 1.53% | 0.97% |
Asset quality
| Metric | Altoona First Savings Bank | Bank of 1889 |
|---|---|---|
| Texas Ratio | 8.39% | 6.40% |
| Non-Performing Loan Ratio | 1.95% | 0.94% |
| Non-Performing Asset Ratio | 1.18% | 0.76% |
| Net Charge-Off Ratio | -0.01% | 0.15% |
| ACL / Loans | 1.05% | 1.15% |
Balance sheet
| Metric | Altoona First Savings Bank | Bank of 1889 |
|---|---|---|
| Total Assets | $334,725K | $334,697K |
| Total Deposits | $286,183K | $294,333K |
| Total Loans | $202,333K | $257,983K |
| Total Equity | $44,788K | $36,959K |
| Net Income (quarter) | $737 | $1,557K |
Liquidity & funding
| Metric | Altoona First Savings Bank | Bank of 1889 |
|---|---|---|
| Loan-to-Deposit Ratio | 70.70% | 87.65% |
| Core Deposit Ratio | 93.80% | 90.36% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Altoona First Savings Bank | Bank of 1889 |
|---|---|---|
| Headquarters City | ALTOONA | BERRYVILLE |
| Headquarters State | PA | AR |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 5 | 12 |
| Employees (FTE) | 48 | 92 |
| Established | Jan. 1, 1927, midnight | Feb. 18, 1889, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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