Huntingdon Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Huntingdon Savings Bank is an FDIC-insured savings bank headquartered in Huntingdon, PA, established in 1923 (FDIC certificate 30031), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $17.9M, down 0.4% from Q2 2025, the 109th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 47.35% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30031
- Headquarters
- Huntingdon, PA
- Established
- 1923
- Total assets, Q2 2026
- $17.9M
- Assets vs Q2 2025
- -0.4%
- CET1 ratio, Q2 2026
- 47.35%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 231372507
- Latest call report
- Q2 2026, FFIEC 051 · Huntingdon Savings Bank call report
- Asset rank in state
- 109th of 109 in Pennsylvania
Problem loans are rising at Huntingdon Savings Bank. Based in Huntingdon, Pennsylvania, it had $18 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.58% of loans from 0.50% a year earlier. It keeps 2.51 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also pays an average of 2.96% on its deposits and borrowings, about double the median of 1.53% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 5.4% and deposits fell 1.0%. Credit is the area to watch: it carries problem assets equal to 12.4% of the capital and reserves that would absorb them, 9.0 times the median of 1.4% for banks its size.
As of June 30, 2026, Huntingdon Savings Bank reported a CET1 capital ratio of 47.35%, a return on assets of 0.20%, a nonperforming-loan ratio of 3.58% and a Texas ratio of 12.43%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Huntingdon Savings Bank is the smallest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $17.9M, loans rose 3.6% and deposits rose 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 96.2% of total loans, followed by non-owner-occupied commercial real estate loans at 2.0%. Its one office in the FDIC Summary of Deposits is in Huntingdon, PA. By the capital ratios in its Q2 2026 call report, Huntingdon Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 423 Penn St, Huntingdon, PA 16652
- County
- Huntingdon
- Metro Area
- Huntingdon, PA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1923
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 2
- Domestic deposits
- $13.8M
- Allowance for credit losses
- $94K
- Net charge-offs (YTD)
- $0
- Average total assets
- $17.8M
- Average total loans
- $14.0M
- Average interest-bearing deposits
- $13.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- November 1, 1998
- FDIC Cert
- 30031
- Fed RSSD
- 646471
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Huntingdon Savings Bank's total assets moved between a low of $16.2M (Q3 2023) and a high of $18.0M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$17.9M total assets against $18.0M; $13.9M total liabilities against $14.0M.
$14.2M net loans and leases against $13.5M; $13.8M total deposits against $13.9M.
$0 securities against $0; $3.1M cash and balances due against $3.9M.
$209K total interest income against $212K; $101K total interest expense against $110K.
$108K net interest income against $102K.
$1K total noninterest income against $1K; $96K total noninterest expense against $100K.
No provision recorded in the last 12 quarters.
$9K net income against $2K.
0.20% return on assets against 0.04%; 2.51% net interest margin against 2.35%.
47.35% CET1 capital ratio against 48.53%; 22.67% tier 1 leverage ratio against 22.20%.
Inside the full Huntingdon Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Huntingdon Savings Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.07% (Q3 2024) to 0.43% (Q4 2025) and its net interest margin ran from 2.13% (Q4 2024) to 2.56% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 47.35% | 0.20% | 3.58% | 12.43% | 2.51% |
| Q1 2026 | 50.25% | 0.39% | 0.49% | 1.63% | 2.56% |
| Q4 2025 | 48.92% | 0.43% | 0.80% | 2.71% | 2.41% |
| Q3 2025 | 48.00% | 0.20% | 2.26% | 7.59% | 2.37% |
| Q2 2025 | 48.53% | 0.04% | 0.50% | 1.67% | 2.35% |
| Q1 2025 | 48.52% | 0.18% | 1.09% | 3.64% | 2.19% |
| Q4 2024 | 47.83% | 0.34% | 1.38% | 4.76% | 2.13% |
| Q3 2024 | 48.99% | -0.07% | 0.81% | 2.77% | 2.22% |
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Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Huntingdon Savings Bank (main office) | Huntingdon , PA | 16652 | $13.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 143 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Huntingdon Savings Bank
What are Huntingdon Savings Bank's total assets?
As of the Q2 2026 filing, Huntingdon Savings Bank reported total assets of $17.9 million in its FFIEC call report.
Where is Huntingdon Savings Bank headquartered?
It is headquartered in Huntingdon, PA, United States.
When was Huntingdon Savings Bank founded?
It was established in 1923, per the FDIC institution directory.
Is Huntingdon Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30031). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Huntingdon Savings Bank?
Huntingdon Savings Bank's primary federal regulator is the FDIC.
What is Huntingdon Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 47.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Huntingdon Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Huntingdon Savings Bank's Texas Ratio?
Its Texas Ratio is 12.43% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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