Bank Comparison
Armstrong County Building and Loan Association vs Investment Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 16
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Armstrong County Building and Loan Association | Investment Savings Bank |
|---|---|---|
| CET1 Ratio | 28.99% | — |
| Tier 1 Capital Ratio | 28.99% | — |
| Total Capital Ratio | 29.89% | — |
| Tier 1 Leverage Ratio | 12.37% | 21.74% |
| Equity / Assets | 12.33% | 20.84% |
Profitability
| Metric | Armstrong County Building and Loan Association | Investment Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.13% | 0.36% |
| Return on Equity (ROE) | 1.08% | 1.74% |
| Net Interest Margin (NIM) | 1.50% | 2.76% |
| Yield on Earning Assets | 4.49% | 4.11% |
| Cost of Funds | 3.36% | 1.56% |
Asset quality
| Metric | Armstrong County Building and Loan Association | Investment Savings Bank |
|---|---|---|
| Texas Ratio | 10.28% | 0.53% |
| Non-Performing Loan Ratio | 0.92% | 0.26% |
| Non-Performing Asset Ratio | 0.62% | 0.11% |
| Net Charge-Off Ratio | 0.00% | 0.06% |
| ACL / Loans | 0.57% | 0.84% |
Balance sheet
| Metric | Armstrong County Building and Loan Association | Investment Savings Bank |
|---|---|---|
| Total Assets | $96,185K | $105,992K |
| Total Deposits | $83,882K | $76,435K |
| Total Loans | $64,146K | $45,493K |
| Total Equity | $11,855K | $22,088K |
| Net Income (quarter) | $32 | $96 |
Liquidity & funding
| Metric | Armstrong County Building and Loan Association | Investment Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.47% | 59.52% |
| Core Deposit Ratio | 84.52% | 90.17% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Armstrong County Building and Loan Association | Investment Savings Bank |
|---|---|---|
| Headquarters City | FORD CITY | ALTOONA |
| Headquarters State | PA | PA |
| Asset Tier | Micro | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 8 | 13 |
| Established | Jan. 1, 1925, midnight | Jan. 1, 1939, 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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