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Investment Savings Bank

$100M-$1B Specialty: Mortgage PA FDIC cert 30121

Designations: ✓ Mutual

Altoona, PA

2 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 ($75.5M on the books).
  • Delinquency rate 0.14%.
  • Return on assets 0.41%.
  • Efficiency ratio 81.13% vs a 64.48% peer average.
  • Loan-to-deposit ratio 58.57% 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) →

Investment Savings Bank has 1 strength but faces 4 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 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 17.6% in tier
  • - Efficiency Drag: Bottom 33.2% in tier
  • - Return on Assets 0.91% below tier average
  • - Net Interest Margin 1.16% below tier average
Get updates when Investment 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 ? $105.2M
+2.0% YoY -0.7% QoQ
-$281.3M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
Bottom 1.4% in tier
Total Loans ? $44.2M
-2.8% YoY -1.9% QoQ
-$214.1M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
Bottom 2.0% in tier
Total Deposits ? $75.5M
+0.2% YoY -1.2% QoQ
-$251.2M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
Bottom 0.7% in tier
Return on Assets ? 0.41%
+47.0% YoY +12.8% QoQ
-0.91% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Bottom 10.0% in tier
Net Interest Margin ? 2.83%
+12.5% YoY +2.5% QoQ
-1.16% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 6.4% in tier
Efficiency Ratio ? 81.13%
-5.3% YoY -1.6% QoQ
+16.65% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
Bottom 12.3% in tier
Delinquency Rate ? 0.14%
-37.0% YoY -48.6% QoQ
-0.78% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
71%
Loan-to-Deposit Ratio ? 58.57%
-3.0% YoY -0.8% QoQ
-19.38% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
84%
Non-Interest-Bearing Deposit Share ? 12.68%
+3.9% YoY -4.2% QoQ
-9.35% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
16%
Nonperforming Asset Ratio ? 0.06%
-40.0% YoY -49.2% QoQ
-0.61% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
78%
Tier 1 Capital Ratio ? 21.72%
-0.3% YoY -0.1% QoQ
+5.82% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Top 10.9% in tier
Non-Interest Income / Assets ? 0.08%
+5.2% YoY +101.4% QoQ
-0.48% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
Bottom 13.9% 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 12.7%
+0.5pp YoY
-0.6pp QoQ
 -9.5pp 22.1% 18.7% 22.2% 16%
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%
-0.2pp YoY
-0.4pp QoQ
 -10.7pp 11.6% 8.6% 12.5% 3%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 80.7%
-0.8pp YoY
+1.3pp QoQ
 +48.1pp 32.6% 47.8% 31.3% 97%
Consumer 1.9%
-0.5pp YoY
-0.3pp QoQ
 -2.2pp 4.1% 3.8% 5.0% 46%

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 21.7%
-0.1pp YoY
0.0pp QoQ
 +9.6pp 12.2% 13.2% 12.6% 97%
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 12
-3 (-20.0%) YoY
-1 (-7.7%) QoQ
 -47 58 299 482 2%
Assets per Employee ($) $8.8M
+27.5% YoY
+7.6% QoQ
 +$1.3M $7.5M $9.2M $8.8M 77%
Branch Count 2
0 YoY
0 QoQ
 -3 4 20 18 11%

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 0.1%
-0.1pp YoY
-0.1pp QoQ
 -0.8pp 0.9% 0.9% 1.0% 23%
Allowance Coverage 6.20x
+57.8% YoY
+94.2% QoQ
 -17.95x 24.15x 3.63x 20.23x 74%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 1.9%
+0.6pp YoY
+0.2pp QoQ
 -10.2pp 12.2% 10.2% 11.6% 6%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.8% 1.7% 26%
Net Income ($, YTD) $216,000
+50.0% YoY
— QoQ
 -$2.3M $2.6M $18.2M $40.4M 5%

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 (2)

Flatlined Growth

risk
#94 of 529 • Bottom 17.6% 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: 0.41%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Efficiency Drag

risk
#121 of 361 • Bottom 33.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 81.13%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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 (3 metrics)

290
Tier 1 Capital Ratio
capital
Value: 21.72%
Peer Median: 15.91%
#290 of 2643 Top 10.9% in $100M-$1B
411
Loan-to-Deposit Ratio
liquidity
Value: 58.57%
Peer Median: 77.95%
#411 of 2643 Top 15.5% in $100M-$1B
592
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#592 of 2643 Top 22.4% in $100M-$1B

Top Weaknesses (8 metrics)

2625
Total Deposits
size
Value: $75.54M
Peer Median: $326.73M
#2625 of 2643 Bottom 0.7% in $100M-$1B
2608
Total Assets
size
Value: $105.25M
Peer Median: $386.57M
#2608 of 2643 Bottom 1.4% in $100M-$1B
2591
Total Loans
size
Value: $44.24M
Peer Median: $258.35M
#2591 of 2643 Bottom 2.0% in $100M-$1B
2474
Net Interest Margin
profitability
Value: 2.83%
Peer Median: 3.99%
#2474 of 2643 Bottom 6.4% in $100M-$1B
2380
Return on Assets
profitability
Value: 0.41%
Peer Median: 1.32%
#2380 of 2643 Bottom 10.0% in $100M-$1B
2318
Efficiency Ratio
profitability
Value: 81.13%
Peer Median: 64.48%
#2318 of 2643 Bottom 12.3% in $100M-$1B
2276
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2276 of 2643 Bottom 13.9% in $100M-$1B
2215
Non-Interest-Bearing Deposit Share
funding
Value: 12.68%
Peer Median: 22.03%
#2215 of 2643 Bottom 16.2% in $100M-$1B
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