BlastPoint's Banking Scorecard
Armstrong County Building and Loan Association
Micro
Specialty: Mortgage
PA
FDIC cert 29471
Designations: ✓ Community bank ✓ Mutual
Ford City, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Armstrong County Building and Loan Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 18.87% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.01% below tier
- - Net Interest Margin 2.72% below tier
- - Efficiency Ratio 27.07% above tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.5M
-2.2% YoY
-1.8% QoQ
|
-$122.0M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$64.1M
+7.4% YoY
-0.9% QoQ
|
-$75.1M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$83.2M
+3.9% YoY
+0.3% QoQ
|
-$100.5M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
0.07%
+122.0% YoY
-25.8% QoQ
|
-1.01% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
1.13%
+50.3% YoY
+3.3% QoQ
|
-2.72% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
94.80%
-31.3% YoY
-0.8% QoQ
|
+27.07% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
1.04%
-5.7% YoY
+1.9% QoQ
|
+0.40% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
77.04%
+3.5% YoY
-1.2% QoQ
|
+2.51% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.70%
+3.6% YoY
+2.9% QoQ
|
+0.25% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
27.72%
-0.1% YoY
-6.5% QoQ
|
+18.87% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.06%
-6.1% YoY
+29.6% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.72%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (5)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.13%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
94.80%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Tier 1 Capital Ratio
Current: 27.72% · Tier avg: 8.85%
48
48th pctile
Loan-to-Deposit Ratio
Current: 77.04% · Tier avg: 74.53%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
28
28th pctile
Delinquency Rate
Current: 1.04% · Tier avg: 0.64%
26
26th pctile
Total Loans
Current: $64.1M · Tier avg: $139.2M
23
23th pctile
Total Deposits
Current: $83.2M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $95.5M · Tier avg: $217.5M
7
7th pctile
Return on Assets
Current: 0.07% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 94.80% · Tier avg: 67.73%
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
0
0th pctile
Net Interest Margin
Current: 1.13% · Tier avg: 3.85%
Top Weaknesses
0
0th pctile
Net Interest Margin
Current: 1.13% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
7
7th pctile
Efficiency Ratio
Current: 94.80% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.07% · Tier avg: 1.08%
21
21th pctile
Total Assets
Current: $95.5M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $83.2M · Tier avg: $183.7M
26
26th pctile
Total Loans
Current: $64.1M · Tier avg: $139.2M
28
28th pctile
Delinquency Rate
Current: 1.04% · Tier avg: 0.64%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
48
48th pctile
Loan-to-Deposit Ratio
Current: 77.04% · Tier avg: 74.53%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.72% · Tier avg: 8.85%