BlastPoint's Banking Scorecard

Altoona First Savings Bank

$100M-$1B Specialty: Commercial PA FDIC cert 27711

Designations: ✓ Mutual

Altoona, PA

5 branches across PA

2664 banks in the $100M-$1B peer group nationally 55 in PA

Altoona First Savings Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 0.56% below tier average

Key Concerns

Areas that may need attention

- ROA 0.38% below tier average
- Net Interest Margin 0.08% below tier average
- Delinquency Rate 1.08% above tier average

Get updates when Altoona First Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$334.7M +4.1% YoY +1.5% QoQ	-$51.4M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	52%
Total Loans ?	$200.2M +10.0% YoY +0.5% QoQ	-$55.5M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	49%
Total Deposits ?	$286.2M +3.0% YoY +1.3% QoQ	-$41.8M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	52%
Return on Assets ?	0.89% +20.8% YoY +8.1% QoQ	-0.38%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	31%
Net Interest Margin ?	3.85% +11.8% YoY +4.9% QoQ	-0.08%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	49%
Efficiency Ratio ?	64.72% -7.3% YoY -6.1% QoQ	-0.56%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	46%
Delinquency Rate ?	1.97% +45.9% YoY +21.2% QoQ	+1.08%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	Bottom 12.8% in tier
Loan-to-Deposit Ratio ?	69.96% +6.8% YoY -0.7% QoQ	-6.68%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	67%
Non-Interest-Bearing Deposit Share ?	14.95% -2.6% YoY -6.6% QoQ	-7.07%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	24%
Nonperforming Asset Ratio ?	1.18% +33.0% YoY +20.0% QoQ	+0.54%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	16%
Tier 1 Capital Ratio ?	13.91% +2.4% YoY +0.5% QoQ	-1.92%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.08% -15.4% YoY -78.1% QoQ	-0.20%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	40%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2315

Delinquency Rate

credit_quality

Value: 1.97%

Peer Median: 0.89%

#2315 of 2654 Bottom 12.8% in $100M-$1B

2236

Nonperforming Asset Ratio

credit_quality

Value: 1.18%

Peer Median: 0.64%

#2236 of 2664 Bottom 16.1% in $100M-$1B

2024

Non-Interest-Bearing Deposit Share

funding

Value: 14.95%

Peer Median: 22.02%

#2024 of 2664 Bottom 24.1% in $100M-$1B