# INVESTMENT SAVINGS BANK
ALTOONA, PA · FDIC certificate 30121 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $105.2M | |
| Deposits | $75.5M | |
| Loans and leases | $44.6M | |
| Total equity | $22.2M | |
| Loans / deposits | 58.57% (p28 of band) | 73.59% |
| Liquid assets / assets | 47.78% (p75 of band) | |
| Uninsured deposits / deposits | 4.40% (p3 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.70% (p74 of band) | |
| FHLB advances / assets | 5.70% | |
| Tier 1 leverage | 21.72% (p91 of band) | 11.76% |
| Unrealized securities loss / equity | -6.24% (p52 of band) | -6.57% |
| AOCI / equity | -0.28% (p55 of band) | |
| ROA (annualized) | 0.41% (p15 of band) | 1.17% |
| Net interest margin | 2.83% (p8 of band) | 3.93% |
| Efficiency ratio | 81.13% (p80 of band) | |
| Noncurrent loans | 0.13% (p37 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p72 of band) | |
| Reserve coverage of noncurrent | 620.00% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 0.01% (p17 of band) | |
| Auto loans | $522,000 (1.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 | assets shrinking | uninsured deposits leaving |
| 2012-12 | 1 | uninsured deposits leaving | reserve under noncurrent, assets shrinking |
| 2013-03 | 2 | assets shrinking |  |
| 2013-06 | 1 |  | uninsured deposits leaving |
| 2013-09 | 0 |  | assets shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | deposits shrinking |  |
| 2018-03 | 0 |  | deposits shrinking |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | deposits shrinking |  |
| 2018-12 | 0 |  | deposits shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | uninsured deposits leaving |
| 2020-12 | 1 | NIM <2.5% | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 3 | expense ratio p90 |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | expense ratio p90 |
| 2023-03 | 0 |  | NIM <2.5% |
| 2023-06 | 3 | NIM <2.5%, deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 3 | uninsured deposits leaving |  |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 2 | capital falling | deposits shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 2 | uninsured deposits leaving |  |
| 2025-06 | 1 |  | NIM <2.5% |
| 2025-09 | 0 |  | uninsured deposits leaving |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2023-03-03 [Charlene K Johnson obituary - The Stevens Mortuary](https://news.google.com/rss/articles/CBMimwFBVV95cUxOUFczUEhEbXExeUVZeDJ3NnRMR0xPaTJJX0dDSXJlUU5XbHZKNWQyM3B3T0VFZEZfaWg1VE1YZURSUG9BQkJmT2FtY0taY0lhRmR2cHg2Nmw2QmZ0S2l2NUo2VkRsR0RiT3R1aTJLRnZncEJnRENyVlh6NWYxWkNTTEI5TkJ0T1NOOFVhUEZNQzFJMGFTLTZlV3FxSQ?oc=5) · The Stevens Mortuary
- 2018-06-24 [Altoona couple earn Cambria forestry management award - - Altoona Mirror](https://news.google.com/rss/articles/CBMirAFBVV95cUxPUWhtNG5SMktGbU1HZ2RtZnhOaVlUampoTmpEU1p3UmIyS0lfa0pDRUt4Y0hQRVBUVGpzUGNUQ3JiTFdCaUZBbEh0ZU1Ja19VSHhYQXVYVWpGMW81YzhwOG9EcFFib2NvRzZqOG52MkFFZ210OFJvMHJXZWRqWlNGVlo5RC1PZEtVeXVaS25pbmFOT0Z6Q0cwVXNkVGc3NWVHbElpUmFJelE0Vjlm?oc=5) · Altoona Mirror
- 2016-08-14 [Obituary for Frederick B. "Rick" Gieg - sorgefuneralhome.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5YNU9rd01CMFNTSy1OdWotczVsaGJveV84RmhYS0xoSkVKeHZ6NUFCR3Y0S0tUTVdER2V2YXdHTUtBOTRwcFI0OFJGS3h4QkNMcC1qYXR0bENYVmV5MW85d0doX0pNVHc?oc=5) · sorgefuneralhome.com
- 2022-08-29 [J. Denny Stevens obituary - The Stevens Mortuary](https://news.google.com/rss/articles/CBMilwFBVV95cUxQM1MxdHdVWndRLTNvNUJfYkkyY1p1V0xZZzZWYVY0SkQ1cVd2Q3ViSDZLNHNQT0VZRW5VSkJnY0FEQm9aSS1JQ3UyTjcwRFlNS2xjUTB2YlhsdzlISmZUTUlpcmJaOGlJZm43cWhqaVJWaFR1bUdMMnNRaS0zY01oYlQwMFdjb0xpVEFqaFdKVXh3MlhKd0lv?oc=5) · The Stevens Mortuary
- 2021-05-15 [Katharine and David Campbell - - Altoona Mirror](https://news.google.com/rss/articles/CBMijAFBVV95cUxQZTBVV0R3Q2hIY2hhQ1kwdjJTV2lFWXJEZ2hXZ1JvZVp5YmRGM3diR1dJV09aazJoZnBKUFRCNzlwRmctYWVZQy1ET2tueHY1bDB5R1RmUVdmVkUtTjlZODRSTGpQeFV3MzRxTjdDT2N3RGdobDV5dnJCSHgxVXVLc3o1LVlrSEJBMG1Sbw?oc=5) · Altoona Mirror
- 2018-01-25 [George K. Sheedy - Altoona Mirror](https://news.google.com/rss/articles/CBMic0FVX3lxTE1jOFlWb3l2bGZ3dmY2WmZCaEJ5Y1E0anp2SG1tRUJreTFDbGhoa1hZbVhfbU9rWndGYkxYU3g4NGJwaVUxZzlvMTZwRF9hcnVIMjVuNHFvbjZ2WkFTMHFOV1p2YUtpeGhyRUxkbjhIZmVVT28?oc=5) · Altoona Mirror
- 2022-11-05 [PAWing It FOREward golf event raises $27,000 - - Altoona Mirror](https://news.google.com/rss/articles/CBMinAFBVV95cUxQamFuc0hjYW80QXlUMjVrUlg2VXNYT3FoTGhXdnFMUDBPQ1Y3R1VyTDRWQlRVUm12YmRrVWtCVEhkLU1pNTlkQmwyMlNuSkNpOERWRVc5Q3kzWE9IbzZMRmR6ak9JaWJHbkRsSXFvaHJRdjZ6QWhnRENLU0RHVEFvYTFvRUEwVXpvSEcySjNMREwtVzFJNG1VbjNoRHI?oc=5) · Altoona Mirror

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30121 (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/41.json (key "30121", 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