BlastPoint's Banking Scorecard
Armstrong County Building and Loan Association
Designations: ✓ Community bank ✓ Mutual
Ford City, 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 536 banks in the under $100M peer group nationwide — 1 of 9 in PA.
- Deposits +1.1% year over year ($82.7M on the books).
- Delinquency rate 1.09%.
- Return on assets 0.27%.
- Efficiency ratio 78.73% vs a 119.40% peer average.
- Loan-to-deposit ratio 79.35% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Armstrong County Building and Loan Association has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 40.66% below tier average
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.34% below tier average
- - Non-Interest-Bearing Deposit Share 23.49% below tier average
- - Non-Interest Income / Assets 1.35% below tier average
- - ROA 0.73% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.1M
-1.0% YoY
-1.2% QoQ
|
+$32.6M |
$62.4M
-0.0% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Top 6.3% in tier |
| Total Loans ? |
$65.6M
+5.5% YoY
+2.9% QoQ
|
+$30.7M |
$34.9M
-0.6% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 8.2% in tier |
| Total Deposits ? |
$82.7M
+1.1% YoY
-1.4% QoQ
|
+$31.1M |
$51.6M
-0.2% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
Top 6.3% in tier |
| Return on Assets ? |
0.27%
+889.5% YoY
+99.0% QoQ
|
-0.73% |
1.00%
+3.5% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
1.57%
+58.0% YoY
+5.9% QoQ
|
-2.34% |
3.91%
+2.3% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio ? |
78.73%
-23.7% YoY
-8.5% QoQ
|
-40.66% |
119.40%
+49.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
1.09%
+2.3% YoY
+4.9% QoQ
|
-0.39% |
1.48%
+31.8% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
79.35%
+4.3% YoY
+4.4% QoQ
|
+5.14% |
74.21%
+12.6% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.49% |
23.49%
+0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.7% in tier |
| Nonperforming Asset Ratio ? |
0.75%
+9.1% YoY
+9.2% QoQ
|
-0.08% |
0.84%
+23.0% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
28.13%
-0.2% YoY
-3.0% QoQ
|
+1.01% |
27.13%
+3.0% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.03%
-15.3% YoY
+102.3% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
Bottom 8.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 | n/a | n/a | 24.6% | 18.7% | 22.2% | n/a |
| Brokered Deposits | n/a | n/a | 9.8% | 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 | n/a | n/a | 13.4% | 8.6% | 12.5% | n/a |
| CRE |
3.0%
-2.6pp YoY -1.7pp QoQ |
-22.2pp | 25.2% | 37.9% | 41.4% | 2% |
| 1-4 Family |
96.8%
+2.7pp YoY +1.7pp QoQ |
+61.8pp | 35.0% | 47.8% | 31.3% | 99% |
| Consumer |
1.0%
-0.2pp YoY -0.1pp QoQ |
-6.7pp | 7.7% | 3.8% | 5.0% | 11% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
28.1%
-0.1pp YoY -0.9pp QoQ |
-10.6pp | 38.7% | 22.3% | 19.7% | 69% |
| Leverage Ratio |
12.5%
+0.3pp YoY +0.1pp QoQ |
-5.2pp | 17.7% | 13.2% | 12.6% | 47% |
| Total Capital Ratio |
29.0%
0.0pp YoY -0.9pp QoQ |
-10.7pp | 39.7% | 23.3% | 20.8% | 69% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
+1 (+16.7%) YoY -1 (-12.5%) QoQ |
-5 | 12 | 299 | 482 | 20% |
| Assets per Employee ($) |
$13.6M
-15.1% YoY +13.0% QoQ |
+$7.4M | $6.2M | $9.2M | $8.8M | 99% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
-0.7pp YoY +0.1pp QoQ |
-0.6pp | 1.0% | 0.2% | 0.4% | 45% |
| Nonaccrual |
0.8%
0.0pp QoQ |
-1.0pp | 1.7% | 0.9% | 1.0% | 51% |
| Allowance Coverage |
0.51x
-2.9% YoY -6.9% QoQ |
-5.90x | 6.41x | 3.63x | 20.23x | 21% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.1% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.1%
+1.9pp YoY +1.1pp QoQ |
-4.3pp | 6.4% | 10.2% | 11.6% | 19% |
| Cost of Funds (YTD) |
3.0%
-0.3pp YoY 0.0pp QoQ |
+1.6pp | 1.4% | 1.8% | 1.7% | 99% |
| Net Income ($, YTD) |
$127,000
+876.9% YoY — QoQ |
-$191K | $317,817 | $18.2M | $40.4M | 27% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.