# ALTOONA FIRST SAVINGS BANK
ALTOONA, PA · FDIC certificate 27711 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $328.6M | |
| Deposits | $278.8M | |
| Loans and leases | $206.7M | |
| Total equity | $45.3M | |
| Loans / deposits | 73.26% (p32 of band) | 82.04% |
| Liquid assets / assets | 32.36% (p70 of band) | |
| Uninsured deposits / deposits | 5.67% (p1 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.14% (p86 of band) | 10.81% |
| Unrealized securities loss / equity | -6.35% (p56 of band) | -8.10% |
| AOCI / equity | -0.26% (p55 of band) | |
| ROA (annualized) | 0.87% (p25 of band) | 1.28% |
| Net interest margin | 3.90% (p49 of band) | 3.91% |
| Efficiency ratio | 62.80% (p55 of band) | |
| Noncurrent loans | 2.87% (p94 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p61 of band) | |
| Reserve coverage of noncurrent | 42.14% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 15.33% (p20 of band) | |
| Auto loans | $25,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 2 | reserve under noncurrent |  |
| 2019-06 | 0 |  | uninsured deposits leaving, reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 2 | charge-offs p90 |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-12 | 1 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-03 | 2 | deposits shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 2 |  | deposits shrinking |
| 2024-03 | 0 |  | uninsured deposits leaving, assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 3 | noncurrent p90, charge-offs p90 |  |
| 2025-12 | 2 |  | noncurrent p90 |
| 2026-03 | 1 |  | charge-offs p90 |
| 2026-06 | 2 | noncurrent p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-11-08 [Altoona bank president recognized for leadership skills - - Altoona Mirror](https://news.google.com/rss/articles/CBMirwFBVV95cUxPY0l5SDRYaFdwSm5Ta2FNVXhfYV9oeV8tOUNDLS1OdzJ4VUV1aDFMZktYajIzRml0SU4zZnRKcVRFOFFPa21OMmR6YVE0ai1RQ3VxZUVGSDFrdmpGVFphb1RMemhrelUwZUZuOGdlLXh5UW1VQ241aXh3MGtpd29pNnM4a2FRWGl4OWVzdi1NOGVRbV9RMjdLMGQtcFRjN3Y1NUt5ZTNCY2NvcXBIbjlV?oc=5) · Altoona Mirror
- 2018-02-12 [Altoona First Savings names team - Bedford Gazette](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPTGdPMlktTWo5LWVPaG5weXp2MkdJbW1ob1FmUDR3RV91THBPZHhFRThtUFhndWRLeEFKZ3FUbHFwc3pKTm5ub2pmN3FqR085dWRMemY5cG5Dd2JkT2l5eHJibkU2UnhxYUw0ZFIwT0NDUGtmQ082TEdITGdabkJGaFpuN3o2ZHlNNlBqcVNDVXVmaDVqYm5qR0ltX1hYZk9HbXduTVQ2WHRMbUdHam5xUWNsdjBHMWxyOEZ6bXRadUpZZw?oc=5) · Bedford Gazette
- 2022-08-24 [J. Kirk Kling obituary - The Stevens Mortuary](https://news.google.com/rss/articles/CBMikwFBVV95cUxPQnRaMkJRZ1oxdDd4YkQyc1Rrb2VkXzRPUGpZc1lTMlAwQll3ZTVBQ19sVHV5RXhOVVJVdVhMaXp0ZTBJTE9YV0VnR2JMZVFET203dWNtMFROcFlRQWE4ZDlUTlhBU3ZQZVBUR0pqSnNOb0MwRzJHZ2plbGtpaTFtb21CZ2lKRm9kd1RwZGo2MHpIcHc?oc=5) · The Stevens Mortuary
- 2021-05-23 ["Cookies with Cops:" law enforcement forms bond with Bedford County children - WJAC](https://news.google.com/rss/articles/CBMipgFBVV95cUxNelpCMHdLR2dnWC1NbjEwU0VXeEZKQjA5Z29LSnZmWDFzWHYyekJ5X0luWVhWZVg1UkRZM1VkczJCZlk5MHU2RE1iX1ZUU2hIZjJEUW1mbmtPWUE3VG51aW9XLVZSZHdleGdPUVMzWTBZeUxUakRFaC1PTmZHOXVfX0pvVUJBN2R2Z3BhUEhMSnIxQlRVam9Ic2ZuZ29xa0NjZWhCanVR?oc=5) · WJAC
- 2025-12-17 [George R. Bortz Obituary Jan 23, 2008 - Timothy A. Berkebile Funeral Home, Inc.](https://news.google.com/rss/articles/CBMibEFVX3lxTE5zS3dJdC1QTTlXQVp4dDVUZGhXWFlpMmZReTFRNDBycmdPanJzN0pXVFYyZkRRSnpPdmhCbXFJNXdwd3Y5YWFEZW1DaXBVcXJ2SnJCY0NwX0JBMG9JUVU0QVdnN2k1QWZoMmxXZQ?oc=5) · Timothy A. Berkebile Funeral Home, Inc.
- 2022-12-12 [Stephen J Lazorka Obituary Dec 12, 2022 - geiselfuneral.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9zbmRJLTVrTXdnaUw4OHRwUUhYT3RYajdsV3ZZd3BZSHdiT25HX2s0Z2pSdHdBYWxUYjVoQk5MMDd4WDV0Sjg0NERxZXB0V09OU1d4dGNjT2VhSzlOVzRGb1gtUHVmQTQ?oc=5) · geiselfuneral.com
- 2014-07-11 [Obituary for Jason Michael Eugene Fetter - Akers Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9mMTBobkl3Sm0zMkxvODBDTExoLUMtNWp2VE9YSWQ1MGw4RFM0MFFaT2Ytc2FZU1JJMHdTSjJlUEJnbmRmREwwZDhTWG55NTJJUEttYmFHVVM5T2VzanBvdHo3SHE?oc=5) · Akers Funeral Home
- 2024-09-24 [Allen W. Butterbaugh obituary - The Stevens Mortuary](https://news.google.com/rss/articles/CBMinAFBVV95cUxPVlNUMUQ1eDRTSzBXRG50Y3VJeTFnZk9ETUFDZE5rZGtqckVoQkRCTEVDUG81T01iNEVpNENwTFczbmwtckNmeGZtYlBCQ3NHMWxTLXg5OUZJYjBMNjRvSFJFV2tnVHRUSWJodTB2Rmh0a3B0RWp4a1NJLUpBeEw2T0Z4SkYyYlJXak15TjI2ZnA1OUIxX3NyTzJIWUY?oc=5) · The Stevens Mortuary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27711 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "27711", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide