Investment Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 300.67 percentage points in Q2 2026, from 319.33% to 620.00%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Investment Savings Bank is 93rd of 109 on return on assets, 0.45% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Investment Savings Bank reported 0.45% on return on assets in Q2 2026, 0.80 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 21.72% |
| Equity capital to assets | 21.12% |
| Tangible equity to tangible assets | 21.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 0.27% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 620.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.45% |
| Return on equity | 2.17% |
| Net interest margin | 2.87% |
| Efficiency ratio | 78.57% |
| Yield on earning assets | 4.17% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.06% |
| Core deposits to total deposits | 89.45% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 71.77% |
| Securities to assets | 39.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 22.15% | 0.31% | 2.26% | 0.00% | 0.00% |
| Q4 2023 | 22.34% | 0.12% | 2.21% | 0.24% | 0.00% |
| Q1 2024 | 21.86% | 0.12% | 2.27% | 0.15% | 0.00% |
| Q2 2024 | 21.62% | 0.27% | 2.32% | 0.00% | 0.16% |
| Q3 2024 | 21.57% | 0.19% | 2.30% | 0.64% | 0.00% |
| Q4 2024 | 22.18% | -0.12% | 2.35% | 0.24% | 0.00% |
| Q1 2025 | 21.66% | 0.23% | 2.43% | 0.51% | 0.00% |
| Q2 2025 | 21.79% | 0.32% | 2.55% | 0.21% | 0.01% |
| Q3 2025 | 21.73% | 0.40% | 2.65% | 0.46% | 0.00% |
| Q4 2025 | 21.86% | 0.33% | 2.75% | 0.18% | 0.03% |
| Q1 2026 | 21.74% | 0.36% | 2.76% | 0.26% | 0.06% |
| Q2 2026 | 21.72% | 0.45% | 2.87% | 0.13% | 0.04% |
Investment Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Investment Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Investment Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30121) · FFIEC NIC profile (RSSD 854173)