BlastPoint's Banking Scorecard

Iron Workers Savings Bank

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

Designations: ✓ Mutual

Aston, PA

3 branches across PA

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

+ Credit Quality Leader: Top 43.5% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 17.1% in tier
- Return on Assets 1.13% below tier average
- Net Interest Margin 1.33% below tier average
- Efficiency Ratio 27.85% above tier average
- Non-Interest Income / Assets 0.25% below tier average

Get updates when Iron Workers 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 ?	$212.7M +2.9% YoY +0.5% QoQ	-$173.3M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	30%
Total Loans ?	$163.7M +4.0% YoY -0.9% QoQ	-$92.0M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$185.8M +4.3% YoY +1.3% QoQ	-$142.2M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	0.14% +178.1% YoY +71.3% QoQ	-1.13%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Bottom 5.4% in tier
Net Interest Margin ?	2.60% +26.1% YoY +10.2% QoQ	-1.33%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 4.1% in tier
Efficiency Ratio ?	93.14% -17.8% YoY -2.9% QoQ	+27.85%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Bottom 4.8% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	88.09% -0.3% YoY -2.2% QoQ	+11.45%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	28%
Non-Interest-Bearing Deposit Share ?	14.93% -0.8% YoY +6.2% QoQ	-7.09%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	24%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.08% -31.5% YoY -1.1% QoQ	-6.75%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Bottom 1.3% in tier
Non-Interest Income / Assets ?	0.03% +0.4% YoY -76.3% QoQ	-0.25%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	Bottom 7.5% in tier

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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 (1)

Credit Quality Leader

growth

#290 of 664 • Top 43.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#115 of 666 • Bottom 17.1% 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: 9.08%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | 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).

Compare against:

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

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (6 metrics)

2631

Tier 1 Capital Ratio

capital

Value: 9.08%

Peer Median: 15.83%

#2631 of 2664 Bottom 1.3% in $100M-$1B

2555

Net Interest Margin

profitability

Value: 2.60%

Peer Median: 3.93%

#2555 of 2664 Bottom 4.1% in $100M-$1B

2538

Efficiency Ratio

profitability

Value: 93.14%

Peer Median: 65.29%

#2538 of 2664 Bottom 4.8% in $100M-$1B

2522

Return on Assets

profitability

Value: 0.14%

Peer Median: 1.27%

#2522 of 2664 Bottom 5.4% in $100M-$1B

2464

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2464 of 2664 Bottom 7.5% in $100M-$1B

2027

Non-Interest-Bearing Deposit Share

funding

Value: 14.93%

Peer Median: 22.02%

#2027 of 2664 Bottom 23.9% in $100M-$1B