Investment Savings Bank

Investment Savings Bank is headquartered in Altoona and is the 166^th largest bank in the state of Pennsylvania. It is also the 4,430^th largest bank in the nation. It was established in 1939 and as of March of 2012, it had grown to 28 employees at 2 locations. Investment Savings Bank's savings rates are 73% higher than the national average, and it boasts a 5-star health rating.

Investment Savings Bank Checking Account Rates

Investment Savings Bank Savings Account Rates

Investment Savings Bank Money Market Rates

Investment Savings Bank CD Rates

Investment Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics Investment Savings Bank FDIC Certificate # 30121 BankRate Report View Year Established 1939 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $121.29 million Loans $69.49 million Deposits $92.52 million Equity Capital $18.97 million Loan Loss Allowance $218,000 Unbacked Noncurrent Loans $389,000 Historic Data - March 2011 Assets $123.45 million Equity Capital $18.18 million Loan Loss Allowance $271,000 Unbacked Noncurrent Loans $305,000 Real Estate Owned $55,000 Profit Margin - Quarterly Net Interest Margin 3.09% Return on Assets 0.45% Return on Equity 2.85% Interest Income $1.21 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Investment Savings Bank had $389,000 in non-current loans and owned real-estate with $19.19 million in equity and loan loss allowances on hand to cover it. This gives Investment Savings Bank a Texas Ratio of 2.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Investment Savings Bank held steady from 1.95% as of March 31, 2011 to 2.03% as of March 31, 2012, resulting in a negative change of 3.89%. This indicates that the balance sheet and financial strength for Investment Savings Bank has held steady in recent periods. Deposit Growth In the past year, Investment Savings Bank has decreased its total deposits by $-185,000, resulting in -0.2% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Investment Savings Bank has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Investment Savings Bank has $121.29 million in assets with $19.19 million in equity, resulting in a capitalization level of 15.82%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.