TellerScore

Investment Savings Bank is a si headquartered in Altoona, Pennsylvania, in business for about 87 years. At the end of Q2 2026 it reported $105.2M in total assets and $75.5M in deposits, with 2 offices.

Investment Savings Bank has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 10th. Capital cushion contributes the most (100/100, 21.72%); earnings contributes the least (36/100, 0.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 21.72%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.13%
Earnings36/100
Return on assets (annualized): 0.41%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 58.6% · 4.4% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.27%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (84 → 86), mostly because the earnings component improved by 5 points.

TellerScore
798386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202479
Q4 202482
Q1 202581
Q2 202584
Q3 202583
Q4 202585
Q1 202684
Q2 202686
Tier 1 leverage ratio
5.00%13.59%22.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202421.62%
Q3 202421.57%
Q4 202422.18%
Q1 202521.66%
Q2 202521.79%
Q3 202521.73%
Q4 202521.86%
Q1 202621.74%
Q2 202621.72%
Noncurrent loans
0.00%0.32%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.64%
Q4 20240.24%
Q1 20250.51%
Q2 20250.21%
Q3 20250.46%
Q4 20250.18%
Q1 20260.26%
Q2 20260.13%
Return on assets
0.12%0.26%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.19%
Q3 20240.19%
Q4 20240.12%
Q1 20250.23%
Q2 20250.28%
Q3 20250.32%
Q4 20250.32%
Q1 20260.36%
Q2 20260.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$105.2M21.72%0.13%0.41%58.6%
Q1 202684$106.0M21.74%0.26%0.36%59.0%
Q4 202585$106.0M21.86%0.18%0.32%59.9%
Q3 202583$104.3M21.73%0.46%0.32%61.5%
Q2 202584$103.2M21.79%0.21%0.28%60.4%
Q1 202581$105.1M21.66%0.51%0.23%61.2%
Q4 202482$102.5M22.18%0.24%0.12%63.1%
Q3 202479$103.6M21.57%0.64%0.19%64.4%
Q2 202485$105.9M21.62%0.00%0.19%61.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio21.72%
97th
Total risk-based capital0.00%
24th
Problem loans0.13%
70th
Net charge-offs0.05%
28th
Return on assets0.41%
10th
Net interest margin2.83%
7th
Efficiency ratio81.1%
12th
Loans to deposits58.6%
84th
Uninsured deposits4.4%
99th
Loan-loss reserves0.83%
13th
Texas ratio0.3%
82nd

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Building and Savings BankBank Rochester, PA74 out of 100, Strong$122.9M20.5%1.57%vs
Westmoreland Federal Savings and Loan AssociationBank Latrobe, PA72 out of 100, Strong$166.5M26.9%1.37%vs
UNB BankBank Mount Carmel, PA67 out of 100, Moderate$167.3M9.3%0.12%vs
Sharon BankBank Springfield, PA65 out of 100, Moderate$172.6M9.4%0.16%vs
Slovenian Savings and Loan Association of Franklin-ConemaughBank Conemaugh, PA62 out of 100, Moderate$180.8M9.9%0.63%vs
The Haverford Trust CompanyBank Radnor, PA90 out of 100, Very strong$191.0M22.5%0.00%vs

Deposit insurance

Is my money safe at Investment Savings Bank?

Yes. Investment Savings Bank is an FDIC-insured institution (FDIC certificate #30121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 4.4% of deposits ($3.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 21.72%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Investment Savings Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Investment Savings Bank reported 46 home-loan applications under HMDA (LEI 5493005DE3TY0D0PU504): 34 originated ($3,510,000 total), 6 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Investment Savings Bank
Former names
Investment Savings and Loan Association
Type
SI
FDIC certificate #
30121
RSSD ID
854173
Primary regulator
FDIC
Established
January 1, 1939
Headquarters
900 S 16th St, Altoona, PA 16602
Employees
12

Quick answers

Investment Savings Bank: common questions

Is Investment Savings Bank FDIC insured?

Yes. Investment Savings Bank is an FDIC-insured institution (FDIC certificate #30121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Investment Savings Bank's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Investment Savings Bank ever failed?

There is no failure record for FDIC certificate #30121 in the FDIC failed bank list.

How many branches does Investment Savings Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Altoona

InstitutionScoreAssetsCapitalProblem loansCompare
Blair County Federal Credit UnionCredit union Altoona, PA97 out of 100, Very strong$78.0M22.8%0.40%vs
A.B. Federal Credit UnionCredit union Duncansville, PA91 out of 100, Very strong$10.5M14.8%0.08%vs
C-B-W Schools Federal Credit UnionCredit union Sidman, PA91 out of 100, Very strong$131.8M29.8%0.33%vs
G.A.P. Federal Credit UnionCredit union Johnstown, PA87 out of 100, Very strong$79.0M13.7%0.74%vs
Your Choice Federal Credit UnionCredit union Altoona, PA85 out of 100, Very strong$14.0M12.6%0.09%vs
Altoona Area Employees Federal Credit UnionCredit union Altoona, PA84 out of 100, Strong$19.4M11.5%0.00%vs