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Iron Workers Savings Bank

$100M-$1B Specialty: Mortgage PA FDIC cert 28908

Designations: ✓ Mutual

Aston, PA

3 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 +5.4% year over year ($191.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.22%.
  • Efficiency ratio 88.80% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.43% 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) →

Iron Workers Savings Bank has 2 strengths 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

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 23.3% in tier
  • - Return on Assets 1.10% below tier average
  • - Net Interest Margin 1.29% below tier average
  • - Efficiency Ratio 24.32% above tier average
  • - Non-Interest Income / Assets 0.51% below tier average
Get updates when Iron Workers 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 ? $217.5M
+3.7% YoY +2.2% QoQ
-$169.1M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $163.9M
+0.8% YoY +0.2% QoQ
-$94.4M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
39%
Total Deposits ? $191.9M
+5.4% YoY +3.3% QoQ
-$134.8M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
32%
Return on Assets ? 0.22%
+409.9% YoY +56.7% QoQ
-1.10% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Bottom 6.0% in tier
Net Interest Margin ? 2.69%
+24.4% YoY +3.6% QoQ
-1.29% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 4.7% in tier
Efficiency Ratio ? 88.80%
-15.9% YoY -4.7% QoQ
+24.32% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
Bottom 6.5% in tier
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 85.43%
-4.4% YoY -3.0% QoQ
+7.47% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 17.08%
+4.5% YoY +14.4% QoQ
-4.95% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 9.13%
-28.7% YoY +0.4% QoQ
-6.78% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 1.9% in tier
Non-Interest Income / Assets ? 0.06%
+0.2% YoY +111.7% QoQ
-0.51% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
Bottom 7.9% in tier

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 17.1%
+0.7pp YoY
+2.1pp QoQ
 -5.1pp 22.1% 18.7% 22.2% 32%
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 0.9%
0.0pp YoY
0.0pp QoQ
 -10.7pp 11.6% 8.6% 12.5% 3%
CRE 31.6%
+1.8pp YoY
+0.1pp QoQ
 -7.9pp 39.5% 37.9% 41.4% 37%
1-4 Family 68.0%
-1.8pp YoY
-0.1pp QoQ
 +35.4pp 32.6% 47.8% 31.3% 93%
Consumer n/a n/a 4.1% 3.8% 5.0% n/a

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 9.1%
-0.1pp YoY
0.0pp QoQ
 -3.0pp 12.2% 13.2% 12.6% 14%
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 26
+2 (+8.3%) YoY
+1 (+4.0%) QoQ
 -33 58 299 482 21%
Assets per Employee ($) $8.4M
-4.3% YoY
-1.7% QoQ
 +$845K $7.5M $9.2M $8.8M 72%
Branch Count 3
0 YoY
0 QoQ
 -2 4 20 18 26%

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 n/a n/a 0.9% 0.9% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 3.63x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 2.8%
+3.8pp YoY
+1.0pp QoQ
 -9.4pp 12.2% 10.2% 11.6% 8%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 68%
Net Income ($, YTD) $237,000
+416.0% YoY
— QoQ
 -$2.3M $2.6M $18.2M $40.4M 6%

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)

Capital Thin

risk
#155 of 661 • Bottom 23.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.13%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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 (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (5 metrics)

2594
Tier 1 Capital Ratio
capital
Value: 9.13%
Peer Median: 15.91%
#2594 of 2643 Bottom 1.9% in $100M-$1B
2520
Net Interest Margin
profitability
Value: 2.69%
Peer Median: 3.99%
#2520 of 2643 Bottom 4.7% in $100M-$1B
2486
Return on Assets
profitability
Value: 0.22%
Peer Median: 1.32%
#2486 of 2643 Bottom 6.0% in $100M-$1B
2472
Efficiency Ratio
profitability
Value: 88.80%
Peer Median: 64.48%
#2472 of 2643 Bottom 6.5% in $100M-$1B
2436
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.57%
#2436 of 2643 Bottom 7.9% in $100M-$1B
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