BlastPoint's Banking Scorecard
Investment Savings Bank
Micro
Specialty: Mortgage
PA
FDIC cert 30121
Designations: ✓ Community bank ✓ Mutual
Altoona, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Investment Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.24% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$106.0M
+3.4% YoY
+1.6% QoQ
|
-$111.5M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$45.8M
-1.2% YoY
-0.4% QoQ
|
-$93.3M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$76.5M
+4.2% YoY
+2.4% QoQ
|
-$107.1M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.32%
+180.3% YoY
+0.4% QoQ
|
-0.76% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.61%
+10.3% YoY
+1.7% QoQ
|
-1.24% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
83.95%
-11.3% YoY
+0.1% QoQ
|
+16.23% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.18%
-26.3% YoY
-60.9% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
59.88%
-5.2% YoY
-2.7% QoQ
|
-14.65% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
13.79%
+14.3% YoY
+15.4% QoQ
|
-8.60% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.08%
-29.6% YoY
-61.6% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.18%
+11.6% YoY
+26.3% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.61%
(Tier avg: 3.85%, National avg: 3.75%)
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
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
25
25th pctile
Total Assets
Current: $106.0M · Tier avg: $217.5M
24
24th pctile
Loan-to-Deposit Ratio
Current: 59.88% · Tier avg: 74.53%
21
21th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
20
20th pctile
Total Deposits
Current: $76.5M · Tier avg: $183.7M
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.79% · Tier avg: 22.39%
18
18th pctile
Total Loans
Current: $45.8M · Tier avg: $139.2M
14
14th pctile
Efficiency Ratio
Current: 83.95% · Tier avg: 67.73%
13
13th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.08%
7
7th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.85%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.85%
13
13th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.08%
14
14th pctile
Efficiency Ratio
Current: 83.95% · Tier avg: 67.73%
18
18th pctile
Total Loans
Current: $45.8M · Tier avg: $139.2M
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.79% · Tier avg: 22.39%
20
20th pctile
Total Deposits
Current: $76.5M · Tier avg: $183.7M
21
21th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
24
24th pctile
Loan-to-Deposit Ratio
Current: 59.88% · Tier avg: 74.53%
25
25th pctile
Total Assets
Current: $106.0M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%