Bank Comparison
Altoona First Savings Bank vs Stock Growers Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Altoona First Savings Bank | Stock Growers Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.91% | 11.11% |
| Equity / Assets | 13.38% | 8.01% |
Profitability
| Metric | Altoona First Savings Bank | Stock Growers Bank |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.48% |
| Return on Equity (ROE) | 6.64% | 17.46% |
| Net Interest Margin (NIM) | 3.91% | 3.21% |
| Yield on Earning Assets | 5.29% | 4.75% |
| Cost of Funds | 1.53% | 1.65% |
Asset quality
| Metric | Altoona First Savings Bank | Stock Growers Bank |
|---|---|---|
| Texas Ratio | 8.39% | 3.09% |
| Non-Performing Loan Ratio | 1.95% | 0.09% |
| Non-Performing Asset Ratio | 1.18% | 0.05% |
| Net Charge-Off Ratio | -0.01% | -0.01% |
| ACL / Loans | 1.05% | 0.67% |
Balance sheet
| Metric | Altoona First Savings Bank | Stock Growers Bank |
|---|---|---|
| Total Assets | $334,725K | $334,833K |
| Total Deposits | $286,183K | $304,611K |
| Total Loans | $202,333K | $163,653K |
| Total Equity | $44,788K | $26,836K |
| Net Income (quarter) | $737 | $1,226K |
Liquidity & funding
| Metric | Altoona First Savings Bank | Stock Growers Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.70% | 53.73% |
| Core Deposit Ratio | 93.80% | 90.04% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Altoona First Savings Bank | Stock Growers Bank |
|---|---|---|
| Headquarters City | ALTOONA | FORMAN |
| Headquarters State | PA | ND |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 6 |
| Employees (FTE) | 48 | 29 |
| Established | Jan. 1, 1927, 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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