Total Assets
$212M
Total balance-sheet footings
FDIC Cert #28908 · Aston, Pennsylvania · Est. 1879
Iron Workers Savings Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $212M
- Total assets
- D
- Health grade · Weak
- 0.08%
- Return on assets
- 9.2%
- Tier 1 capital
Data updated July 2026
The verdict
Iron Workers Savings Bank earns a PlainBankData health grade of D (45/100), with 9.19% Tier 1 capital, 0.08% ROA, 96% efficiency ratio.
- #2,940
- largest of 4,313 FDIC banks by assets
- 32nd
- percentile by asset size, nationally
- 9.19%
- Tier 1 ratio - below the 10% well-capitalized line
- 6th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Iron Workers Savings Bank's 45/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Iron Workers Savings Bank's composite health score
Tier 1 Capital Ratio (9.19%) 18/40
Return on Assets (ROA) (0.08%) 7/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (95.93%) 0/15
45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$183M
Customer-funded liabilities
Net Loans
$165M
Outstanding loan book
Net Income
$173K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Iron Workers Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Iron Workers Savings Bank's score of 45/100 falls in the highlighted band.
Iron Workers Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Iron Workers Savings Bank's $212M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.19% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.19%
Texas Ratio
0.00%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
6th percentile nationally
0.08%
Return on Equity (ROE)
1.08%
Efficiency Ratio
95.93%
What the numbers say about Iron Workers Savings Bank
Iron Workers Savings Bank is an FDIC-insured institution (Certificate #28908) headquartered in Aston, Pennsylvania, established in 1879. It holds $212M in total assets - 2,940th of 4,313 FDIC-insured banks, $183M in customer deposits, and $165M in net loans. On safety, its Tier 1 capital ratio of 9.19% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of D (45/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Pennsylvania, Iron Workers Savings Bank ranks 94th of 112 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$9M
Interest Income
$256K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Iron Workers Savings Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Iron Workers Savings Bank
Iron Workers Savings Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.19% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Iron Workers Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Iron Workers Savings Bank (FDIC Cert #28908) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Iron Workers Savings Bank's health grade?▼
Iron Workers Savings Bank receives a health grade of D (45/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Iron Workers Savings Bank?▼
Iron Workers Savings Bank holds $212M in total assets and $183M in deposits, ranking 2,940th of 4,313 FDIC-insured banks by asset size. It is headquartered in Aston, Pennsylvania.
Is my money safe at Iron Workers Savings Bank?▼
Yes, deposits at Iron Workers Savings Bank (Certificate #28908) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Iron Workers Savings Bank's Tier 1 Capital Ratio?▼
Iron Workers Savings Bank has a Tier 1 Capital Ratio of 9.19%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Iron Workers Savings Bank?▼
Iron Workers Savings Bank has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Iron Workers Savings Bank?▼
Iron Workers Savings Bank has an Efficiency Ratio of 95.93%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Iron Workers Savings Bank's profile as a depositor or analyst.
- Iron Workers Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Iron Workers Savings Bank against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.