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Armstrong County Building And Loan Association
Ford City, PA · FDIC Certificate #29471 · Chartered 01/0
Total assets
$95.07M
Total deposits
$82.71M
Total equity
$11.95M
Net loans
$65.63M
Branches (offices)
1
Net income (YTD)
$127.00K
Rank: #3,711 of 4,213 U.S. banks by assets · #102 of 109 in Pennsylvania. Assets changed -1.0% and deposits 1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.27% |
| Return on equity | 2.14% |
| Net interest margin (YTD) | 1.57% |
| Equity to assets | 12.57% |
| Tier 1 leverage ratio | 12.50% |
| Uninsured deposits (share of deposits) | 5.1% |
| Noncurrent loans (share of loans) | 1.09% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 79.4% |
| Real estate loans (share of loans) | 99.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $65.52M | 99.8% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $657.00K | 1.0% | |
| Construction & development | $816.00K | 1.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $93.81M | $80.58M | -$122.00K | $12.85M |
| Jun 2023 | $93.11M | $79.52M | -$192.00K | $12.22M |
| Jun 2024 | $92.80M | $78.49M | -$209.00K | $11.86M |
| Jun 2025 | $96.02M | $81.78M | $13.00K | $11.76M |
| Jun 2026 | $95.07M | $82.71M | $127.00K | $11.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $82.71M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $82.71M.
Similar-sized banks
Huron State Bank ($95.10M) · Community Bank Of Oelwein ($95.04M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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