Armstrong County Bldg&La
Ford City, Pennsylvania · FDIC Cert #29471
This is the FDIC profile for Armstrong County Bldg&La, an FDIC-insured bank (Certificate #29471) with $93M in total assets and $78M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Ford City, Pennsylvania, the bank maintains a Tier 1 capital ratio of 30.36% (Well-Capitalized) and a nonperforming loan ratio of 1.21%. BankHealthData assigns a composite Health Grade of A (83/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Armstrong County Bldg&La (FDIC cert 29471) is a community bank — $93M in total assets, $78M in deposits, serving the Ford City, Pennsylvania area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 30.36% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.21% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 38.1% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -0.45% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Armstrong County Bldg&La carries a composite BankHealth grade of A (83/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Armstrong County Bldg&La
- Total Assets
- $93M
- Total Deposits
- $78M
- Tier 1 Capital Ratio
- 30.36%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.21%
- Liquidity Ratio
- 38.14%
- Return on Assets
- -0.45%
- Headquarters
- Ford City, Pennsylvania
- FDIC Certificate
- #29471
- Health Grade
- A (83/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Armstrong County Bldg&La files quarterly Call Reports with the FDIC under Certificate #29471. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Armstrong County Bldg&La holds a Tier 1 capital ratio of 30.36%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Armstrong County Bldg&La has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Armstrong County Bldg&La shows strong financial health indicators. With $93M in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Armstrong County Bldg&La Compares
Armstrong County Bldg&La’s Health Score of 83 is 4 points above the Pennsylvania state average of 79 across 119 FDIC-insured banks. Its 30.36% Tier 1 capital ratio is 16.4 points above the US banking industry average near 14%. The 1.21% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.45% is below the national ROA benchmark of ~1.1%. Among 1035 similarly-sized banks, the average Health Score is 82, meaning this bank ranks above its size cohort. Site-wide, Armstrong County Bldg&La is 3 points above the portfolio average of 80.
Frequently Asked Questions
Armstrong County Bldg&La has a Bank Health Score of A (83/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 30.36%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Armstrong County Bldg&La's Tier 1 capital ratio of 30.36% and nonperforming loan ratio of 1.21% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Armstrong County Bldg&La is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #29471). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Armstrong County Bldg&La holds $93M in total assets and $78M in total deposits. It is headquartered in Ford City, Pennsylvania (FDIC Certificate #29471).
Armstrong County Bldg&La's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #29471 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Armstrong County Bldg&La has a Tier 1 capital ratio of 30.36%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.21%, and the return on assets is -0.45%.
Yes. Armstrong County Bldg&La is FDIC-insured (Certificate #29471). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Armstrong County Bldg&La's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.