Bank Comparison
Investment Savings Bank vs Port Richmond Savings
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Investment Savings Bank | Port Richmond Savings |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 21.74% | 22.20% |
| Equity / Assets | 20.84% | 21.96% |
Profitability
| Metric | Investment Savings Bank | Port Richmond Savings |
|---|---|---|
| Return on Assets (ROA) | 0.36% | 2.65% |
| Return on Equity (ROE) | 1.74% | 12.11% |
| Net Interest Margin (NIM) | 2.76% | 4.65% |
| Yield on Earning Assets | 4.11% | 6.29% |
| Cost of Funds | 1.56% | 2.07% |
Asset quality
| Metric | Investment Savings Bank | Port Richmond Savings |
|---|---|---|
| Texas Ratio | 0.53% | 2.74% |
| Non-Performing Loan Ratio | 0.26% | 0.02% |
| Non-Performing Asset Ratio | 0.11% | 0.63% |
| Net Charge-Off Ratio | 0.06% | 0.00% |
| ACL / Loans | 0.84% | 1.24% |
Balance sheet
| Metric | Investment Savings Bank | Port Richmond Savings |
|---|---|---|
| Total Assets | $105,992K | $97,087K |
| Total Deposits | $76,435K | $60,528K |
| Total Loans | $45,493K | $84,249K |
| Total Equity | $22,088K | $21,324K |
| Net Income (quarter) | $96 | $636 |
Liquidity & funding
| Metric | Investment Savings Bank | Port Richmond Savings |
|---|---|---|
| Loan-to-Deposit Ratio | 59.52% | 139.19% |
| Core Deposit Ratio | 90.17% | 93.85% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Investment Savings Bank | Port Richmond Savings |
|---|---|---|
| Headquarters City | ALTOONA | PHILADELPHIA |
| Headquarters State | PA | PA |
| Asset Tier | Small | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 13 | 8 |
| Established | Jan. 1, 1939, midnight | Jan. 1, 1919, 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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