BlastPoint's Banking Scorecard
Investment Savings Bank
Designations: ✓ Mutual
Altoona, PA
2 branches across PA
Investment Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 10.0% in tier
- - Efficiency Drag: Bottom 35.8% in tier
- - Return on Assets 0.91% below tier average
- - Net Interest Margin 1.17% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$106.0M
+0.8% YoY
-0.0% QoQ
|
-$280.1M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.0% in tier |
| Total Loans ? |
$45.1M
-2.5% YoY
-1.6% QoQ
|
-$210.6M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Bottom 2.2% in tier |
| Total Deposits ? |
$76.4M
+1.1% YoY
-0.1% QoQ
|
-$251.5M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 0.8% in tier |
| Return on Assets ? |
0.36%
+56.7% YoY
+12.4% QoQ
|
-0.91% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.7% in tier |
| Net Interest Margin ? |
2.76%
+12.4% YoY
+5.7% QoQ
|
-1.17% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.2% in tier |
| Efficiency Ratio ? |
82.47%
-6.6% YoY
-1.8% QoQ
|
+17.19% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.7% in tier |
| Delinquency Rate ? |
0.26%
-48.3% YoY
+45.7% QoQ
|
-0.62% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
59.02%
-3.5% YoY
-1.4% QoQ
|
-17.62% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
13.24%
+3.7% YoY
-4.0% QoQ
|
-8.78% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.11%
-50.0% YoY
+43.4% QoQ
|
-0.53% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
21.74%
+0.4% YoY
-0.5% QoQ
|
+5.91% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Top 10.4% in tier |
| Non-Interest Income / Assets ? |
0.04%
+3.9% YoY
-77.4% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.8% in tier |
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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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.