Investment Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Investment Savings Bank of Altoona, PA against its peer group of 2601 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.45% | 1.34% | -0.89% | 12th bottom |
| ROAE | 2.17% | 13.32% | -11.15% | 8th bottom |
| Net Interest Margin | 2.87% | 3.93% | -1.06% | 7th bottom |
| Efficiency Ratio | 78.57% | 61.13% | +17.44% | 15th bottom |
| PPNR / Avg Assets | 0.54% | 1.68% | -1.14% | 9th bottom |
| Yield on Earning Assets | 4.17% | 5.67% | -1.50% | 4th bottom |
| Cost of Funds | 1.52% | 1.88% | -0.36% | 68th above |
| Net Interest Spread | 2.43% | 3.32% | -0.89% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.94% | -0.81% | 69th above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 29th below |
| ACL / Total Loans | 0.83% | 1.28% | -0.45% | 12th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 620.00% | 1546.22% | -926.22% | 75th top |
| Texas Ratio | 0.27% | 7.34% | -7.07% | 84th top |
| Provision / NCO | -9.09% | 1395.08% | -1404.17% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 21.72% | 12.14% | +9.58% | 97th top |
| Equity / Assets | 21.12% | 11.36% | +9.76% | 97th top |
| TCE / Tangible Assets | 21.12% | 11.08% | +10.04% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.06% | 80.66% | -21.60% | 84th top |
| Core Deposit Ratio | 89.45% | 86.85% | +2.60% | 52nd above |
| Wholesale Funding Ratio | 5.70% | 5.04% | +0.66% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.97% | 6.84% | -4.87% | 33rd below |
| Loan Growth (Y/Y) | -2.83% | 7.92% | -10.75% | 12th bottom |
| Deposit Growth (Y/Y) | 0.17% | 6.29% | -6.12% | 24th bottom |
See Investment Savings Bank's peers by name
The 2601 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Investment Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Investment Savings Bank profile, how to read a UBPR, or how this data updates.