Investment Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Investment Savings Bank is an FDIC-insured savings bank headquartered in Altoona, PA, established in 1939 (FDIC certificate 30121), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $105.2M, up 2.0% from Q2 2025, the 100th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 21.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30121
- Headquarters
- Altoona, PA
- Established
- 1939
- Total assets, Q2 2026
- $105.2M
- Assets vs Q2 2025
- +2.0%
- Tier 1 leverage ratio, Q2 2026
- 21.72%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 231371618
- Latest call report
- Q2 2026, FFIEC 051 · Investment Savings Bank call report
- Asset rank in state
- 100th of 109 in Pennsylvania
Investment Savings Bank, based in Altoona, Pennsylvania, reported $105 million in assets at June 30, 2026, up 2.0% from a year earlier. It returns 2.2% a year on shareholders' equity, a small fraction of the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.87 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $120,000, 43% above the same quarter a year earlier. Its $7.4 million non-owner-occupied commercial real estate book is now fully current, after 0.90% of it was past due or on nonaccrual a year earlier. Costs are the weak spot: it spends about 79 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Investment Savings Bank reported a return on assets of 0.45%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.27%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Investment Savings Bank is the 100th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.7% to $105.2M, loans fell 1.9% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 80.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 16.5%. Its 2 offices in the FDIC Summary of Deposits are in Altoona, PA and Duncansville, PA; its Altoona office books 70% of its branch deposits. On its Q2 2026 call report, Investment Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 900 S 16th St, Altoona, PA 16602
- County
- Blair
- Metro Area
- Altoona, 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, 1939
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $75.5M
- Allowance for credit losses
- $372K
- Net charge-offs (YTD)
- $11K
- Average total assets
- $107.4M
- Average total loans
- $45.3M
- Average interest-bearing deposits
- $66.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30121
- Fed RSSD
- 854173
- Website
- www.investmentsb.bank →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Investment Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Investment Savings Bank's total assets moved between a low of $102.4M (Q3 2023) and a high of $106.5M (Q1 2024) 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
$105.2M total assets against $103.2M; $83.0M total liabilities against $81.8M.
$44.2M net loans and leases against $45.5M; $75.5M total deposits against $75.4M.
$41.3M securities against $42.2M; $9.0M cash and balances due against $4.7M.
$993K total interest income against $938K; $313K total interest expense against $348K.
$680K net interest income against $590K.
$44K total noninterest income against $40K; $578K total noninterest expense against $524K.
-$3K provision for credit losses against $2K.
$120K net income against $84K.
0.45% return on assets against 0.32%; 2.87% net interest margin against 2.55%.
21.72% tier 1 leverage ratio against 21.79%.
Inside the full Investment Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeInvestment Savings Bank rankings
Its closest position to the top of a national ranking is 3,115 of 3,640, for Texas Ratio; its furthest is 3,293 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.12% (Q4 2024) to 0.45% (Q2 2026) and its net interest margin ran from 2.30% (Q3 2024) to 2.87% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.72% | 0.45% | 0.13% | 0.27% | 2.87% |
| Q1 2026 | 21.74% | 0.36% | 0.26% | 0.53% | 2.76% |
| Q4 2025 | 21.86% | 0.33% | 0.18% | 0.37% | 2.75% |
| Q3 2025 | 21.73% | 0.40% | 0.46% | 0.96% | 2.65% |
| Q2 2025 | 21.79% | 0.32% | 0.21% | 0.45% | 2.55% |
| Q1 2025 | 21.66% | 0.23% | 0.51% | 1.10% | 2.43% |
| Q4 2024 | 22.18% | -0.12% | 0.24% | 0.54% | 2.35% |
| Q3 2024 | 21.57% | 0.19% | 0.64% | 1.39% | 2.30% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| Investment Savings Bank (main office) | Altoona , PA | 16602 | $53.2M |
| Duncansville Branch | Duncansville , PA | 16635 | $22.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 131 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 Investment Savings Bank
What are Investment Savings Bank's total assets?
As of the Q2 2026 filing, Investment Savings Bank reported total assets of $105.2 million in its FFIEC call report.
Where is Investment Savings Bank headquartered?
It is headquartered in Altoona, PA, United States.
When was Investment Savings Bank founded?
It was established in 1939, per the FDIC institution directory.
Is Investment Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Investment Savings Bank?
Investment Savings Bank's primary federal regulator is the FDIC.
How many branches does Investment Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Investment Savings Bank's Texas Ratio?
Its Texas Ratio is 0.27% 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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