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Altoona First Savings Bank

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

Designations: ✓ Mutual

Altoona, PA

5 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
  • Deposits -0.2% year over year ($278.8M on the books).
  • Delinquency rate 2.91%.
  • Return on assets 0.87%.
  • Efficiency ratio 62.80% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

Altoona First Savings Bank has 1 strength but faces 5 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 1.68% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 42.0% in tier
  • - Delinquency Rate 1.99% above tier average
  • - Nonperforming Asset Ratio 1.14% above tier average
  • - ROA 0.45% below tier average
  • - Net Interest Margin 0.09% below tier average
Get updates when Altoona First Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $328.6M
+1.5% YoY -1.8% QoQ
-$57.9M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
51%
Total Loans ? $204.2M
+7.3% YoY +2.0% QoQ
-$54.1M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $278.8M
-0.2% YoY -2.6% QoQ
-$47.9M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? 0.87%
+17.2% YoY -1.5% QoQ
-0.45% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 3.90%
+11.7% YoY +1.4% QoQ
-0.09% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
48%
Efficiency Ratio ? 62.80%
-9.6% YoY -3.0% QoQ
-1.68% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
49%
Delinquency Rate ? 2.91%
+51.3% YoY +47.8% QoQ
+1.99% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
Bottom 6.6% in tier
Loan-to-Deposit Ratio ? 73.26%
+7.5% YoY +4.7% QoQ
-4.69% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 15.02%
-2.9% YoY +0.4% QoQ
-7.01% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 1.81%
+51.6% YoY +53.6% QoQ
+1.14% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
Bottom 9.0% in tier
Tier 1 Capital Ratio ? 14.14%
+3.9% YoY +1.7% QoQ
-1.77% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
59%
Non-Interest Income / Assets ? 0.18%
+1.2% YoY +121.7% QoQ
-0.39% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
44%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 15.0%
-0.5pp YoY
+0.1pp QoQ
 -7.1pp 22.1% 18.7% 22.2% 24%
Brokered Deposits n/a n/a 7.9% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 4.9%
-0.1pp YoY
0.0pp QoQ
 -6.7pp 11.6% 8.6% 12.5% 19%
CRE 49.7%
+1.0pp YoY
+0.5pp QoQ
 +10.2pp 39.5% 37.9% 41.4% 70%
1-4 Family 43.2%
-0.4pp YoY
-0.2pp QoQ
 +10.6pp 32.6% 47.8% 31.3% 75%
Consumer 3.4%
-0.6pp YoY
-0.1pp QoQ
 -0.7pp 4.1% 3.8% 5.0% 64%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.3% 19.7% n/a
Leverage Ratio 14.1%
+0.5pp YoY
+0.2pp QoQ
 +2.0pp 12.2% 13.2% 12.6% 82%
Total Capital Ratio n/a n/a 19.9% 23.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 48
+3 (+6.7%) YoY
0 QoQ
 -11 58 299 482 50%
Assets per Employee ($) $6.8M
-4.8% YoY
-1.8% QoQ
 -$672K $7.5M $9.2M $8.8M 49%
Branch Count 5
0 YoY
0 QoQ
 0 4 20 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 2.9%
+1.0pp YoY
+0.9pp QoQ
 +2.0pp 0.9% 0.9% 1.0% 94%
Allowance Coverage 0.42x
-38.5% YoY
-21.7% QoQ
 -23.73x 24.15x 3.63x 20.23x 7%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 57%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 6.5%
+0.5pp YoY
-0.2pp QoQ
 -5.7pp 12.2% 10.2% 11.6% 18%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.8% 1.7% 29%
Net Income ($, YTD) $1.4M
+21.5% YoY
— QoQ
 -$1.1M $2.6M $18.2M $40.4M 40%

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 (1)

Flatlined Growth

risk
#223 of 529 • Bottom 42.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.87%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2461
Delinquency Rate
credit_quality
Value: 2.91%
Peer Median: 0.92%
#2461 of 2633 Bottom 6.6% in $100M-$1B
2406
Nonperforming Asset Ratio
credit_quality
Value: 1.81%
Peer Median: 0.67%
#2406 of 2643 Bottom 9.0% in $100M-$1B
1998
Non-Interest-Bearing Deposit Share
funding
Value: 15.02%
Peer Median: 22.03%
#1998 of 2643 Bottom 24.4% in $100M-$1B
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