Investment Savings Bank: how it compares with its peers
Against 17 PA banks with half to twice its assets, Investment Savings Bank's strongest measure in Q2 2026 is assets per employee ($8.8M vs. a $5.4M peer median). Its weakest relative measure is return on assets (0.41% vs. 0.51%).
| Measure | Investment Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.41% | 0.51% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.83% | 2.81% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.13% | 85.06% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.8M | $5.4M | Top third Ahead of 76% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.57% | 81.86% | Context |
What it means for lending operations
Its efficiency ratio of 81.13% is better than the 85.06% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Port Richmond Savings Philadelphia, PA · $97M
- Armstrong County Building and Loan Association Ford City, PA · $95M
- Milton Savings Bank Milton, PA · $91M
- County Savings Bank Essington, PA · $90M
- Farmers Building and Savings Bank Rochester, PA · $123M
Questions about Investment Savings Bank
How big is Investment Savings Bank?
Investment Savings Bank, established in 1939, is headquartered in Altoona, PA. It reported $105M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Investment Savings Bank's return on assets?
0.41% annualized in Q2 2026, against a 0.51% median for 17 PA banks with half to twice its assets, ahead of 47% of them.
What is Investment Savings Bank's efficiency ratio?
81.13% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 85.06%, and lower is better.
Is Investment Savings Bank growing its loans?
Net loans shrank 2.8% over the year to Q2 2026, while deposits grew 0.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.